BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing a formal complaint regarding the violation of my rights and the Fair Credit Reporting Act by the consumer reporting agencies. As a natural person, I have federally protected consumer rights to privacy and confidentiality under 15 USC 1681. However, the following accounts were furnished to the agencies without my written instructions, and I demand their immediate deletion : XXXX XXXXXXXX XXXX The consumer reporting agencies are governed by 15 USC 1681, and their violation of my rights several times is unacceptable. As per 15 U.S.C 1681 section 602 A., I have the right to privacy, and Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without written instructions. 

Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing adverse information other than records of convictions of crimes that antedate the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency. 

I demand that these accounts be removed immediately, as the consumer reporting agencies have violated my rights.

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 2022-10-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd CFPB Complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I am submitting this CFPB Complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. [ ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ] Once again, I am requesting the removal of the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Started a bankruptcy in XXXX started paying trustee in XXXX couldn't afford the bankruptcy and the auto payment so I fell behind. Auto loan is not under XXXX  so tried to get on an agreement they wouldn't work with me said I had to go through XXXX XXXX and file a court document to get on a 6 month pymnt plan. XXXX XXXX said I shouldn't have to and didn't want to but did anyways. We got a written agreement to pay XXXX a month starting XX/XX/XXXX. I paid the amount on XX/XX/XXXX I have an email confirmation. They attempted to repossess my car on XX/XX/XXXX. The guy felt bad gave it back after showing proof of agreement. I had contacted XXXX he contacted lenders XXXX they said it was a mistake. Then thought nothing. Then car gets repossessed on XX/XX/XXXX without my knowledge. Now lender is saying my agreement is not valid. When it's in writing and it feels like it has been stolen from me. I would also not be so behind if I was aware the agreement wasn't valid as well as make sure it didn't come to repossession and have to pay a repossession fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXXXX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Good day, I want to complain Paypal for permanently limiting my account last XX/XX/2022, I received an email from Paypal that I can no longer do business with them, that I violate Paypal 's Acceptable Use Policy. I tried to message Paypal and ask them what I did wrong with my Paypal account and they answer about the violation of Paypal 's Acceptable Use Policy. I ask them to explain to me thoroughly the problem of my account but they always answer that they can not fix my account if i already received an email that I'm permanently limited. 

Currently I'm using bank transfer to received money from my client across the globe and i'm having problem because of too much bank charge and it cuts my small income. I want my Paypal account to be restored because of its convenience to its users like me, but Paypal is too strict with their policy that most of its user account get limited. 

I hope you can help me with my problem. 


Thank you and Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 disputed fraudulent information appearing on my credit reports multiple times with XXXX and they sent me letters stating they will not investigate. 

The fraudulent information is : XXXX {$2800.00} and XXXX XXXX XXXX  {$6000.00} I disputed fraudulent information appearing on my credit reports multiple times with Transunion and they sent me letters stating they will not investigate. 

I have included a copy of my identity theft report.

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 2016-04-12
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX my Mortgage was transfered to a new company Nationstar Mortgage account # XXXX the terms of my original Mortgage agreement signed XXXX/XXXX/XXXX states payment are due on the XXXX of every month but I have till the XXXX of ever Month to make payment. 

Today XXXX/XXXX/XXXX I arrived at work to an excitable co-work who explained Nationstar had called about my Payment. being Late and leaving a call back number and code ( XXXX ) XXXX code # XXXX. Why am I getting an embarrassing call at work about a Mortgage payment that is n't late till XXXX XXXX. In the pass I have received lots of Email from Nationstar about willing to help me with payments. Once again My account is n't late Example of Email : Dear XXXX, Everyone at Nationstar is committed to " helping homeowners succeed. '' To keep things easy for you, we offer multiple ways to make your monthly payments. There are XXXX convenient ways you can pay right now : You have XXXX ways to pay right now : Click here to make a one-time payment online. ( No fee if received within nine days of XXXX/XXXX/XXXX ) Call to make a payment using our automated phone system : XXXX. ( Fee applies ) Call and pay by speaking to a Nationstar Representative : XXXX. ( Fee applies ) Remember, we 're here to help! If you have any questions or concerns about making your monthly payment, please call us now to discuss possible solutions at XXXX. If you have already made your scheduled monthly payment, you may disregard this email. 


Thank You, Nationstar Mortgage XXXX # XXXX My Mortgage is n't Late till XXXX XXXX but for some reason I 'm being harassed by Nationstar

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: OH
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:
In accordance with 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, 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 1691s-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 response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was in a XXXX XXXX Bankruptcy which just discharged in XX/XX/XXXX. I was notified that there was a delinquent balance on my loan and I asked for a summary of payments, 15 days later I asked again before it was finally sent. I was never notified of the supposed delinquency from XX/XX/XXXX, nor was my bankruptcy attorney.In fact on XXXX/XXXX/XXXX I called in to make my payment and was given a payment amount of {$1000.00} which was represented as the total amount due.I realize the XX/XX/XXXX payment was late but it was paid prior to a 30 day late and it was paid in the amount quoted to me by the lender 's representative. I was also notified in a separate conversation in XX/XX/XXXX with the bankrupcy dept, that I did not make a payment in XXXX of XXXX which is impossible. When I finally receive the accounting of all the payments, it shows a XXXX XXXX payment which was put in to suspense as was the XX/XX/XXXX and XX/XX/XXXX payments. Again I was never notified of any of this and when I became aware I did immediately pay the balance due with assurances that there would be no negative reporting. I have paid the outstanding amounts to avoid a late reporting on my credit while this was being investigated. I contacted the lender 3 separate times and was assured that I would not have a derogatory reporting as I am in the process of working on refinance out of this 10 year IO in which my payment just increased {$400.00} I pulled a credit report on XX/XX/XXXX and there is in fact a late reporting as of XXXX XXXX. I spent 35 minutes on the phone so far with a customer service rep trying to get this corrected. They acknowledge the reporting however they have required me to provide a credit report showing it. This will take weeks from when they receive it and I 'm sure they have records of what they reported so why require me to provide information on what they reported? When I asked to be transferred to a supervisor I was put on hold and 58 minutes later. was connected to a supervisor who found the payments I have made but is still requiring that I provide documentation for erroneous information that they have on file since they are the ones who reported it. This is a blatant disregard of federal bankruptcy law and a blatant lie to me as a customer. My attorney should have been notified of the increased payment if not me, the payments should not have been arbitrarily suspended and the lender 's bankruptcy department should have been fully aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: LA
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 been contacting XXXX experian & XXXX every since mad credit card company removed a mistake of a late payment keep calling all XXXX and there not helping clear this situation at all waiting on it to clear to expand my business with business funding also my credit card company sent several notification to all XXXX companies several times even to me and they are still giving me the run around I constantly call every single day neither company is not help with removing the negative remark

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. The disputed items do not belong to me. Please block/remove these items XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4300.00} XXXX XXXX  Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7500.00}

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 2022-11-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter out XX/XX/XXXX to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. That is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: TN
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:
MY INFORMATION WAS USED IN A DATA BREACH CAUSE I HAVE NEVER USED THESE ACCOUNTS OR FILE BANKRUPTCY

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 2022-02-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had received a letter in the mail from Comenity Capital Bank, saying I sent a recent application for XXXX CREDIT credit card account. This was Not me! I did not apply for a credit card I have never even started to build my credit at all! Someone used my social to apply for a credit card. Someone knows my social and is using it! It states Your credit score as of XX/XX/2022 : was not able to be calculated because of inability to verify your previous credit experience I want to know if I can also get a new social because someone knows my numbers and I dont want this to happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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 XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$6400.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
REMOVE ACCOUNTS DUE TO AGGRAVTED IDENITY THEFT. THESE ACCOUTNS DO NOT BELONG TO ME. I'M A NATURAL HUMAN BEING DO NOT CLOSED THIS STATING IT IS NOT 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 non-monetary relief
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 are all inquires that I did not do myself or approve to be done. This is a part of aggravated identity theft.

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