BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
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: Old information reappears or never goes away

Complaint:
I filed XXXX XXXX Bankruptcy in 2015 and this account was included. It was removed from my credit report along with other accounts that were XXXX. 
Somehow the negative account was placed back on my credit. On XXXX, I reached out to XXXX XXXX and advised This account was XXXX in bankruptcy and was put back on my credit report erronneously. Please remove as it is having and extreme negative affect on my credit. Any consideration is greatly appreciated. 
As of today, XXXX, I have not received a response and the derogatory account is still listed and damaging my credit 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 explanation
Consumer complaint received 2023-04-03
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have provided this loan service provider with XXXX XXXX XXXX information, which I was approved by the insurance company. I filled there XXXX forms not that long ago, and they keep sending me to fill out the forms. I have not been told or suggested how often should I be re-filling this forms. As my medical provider can not be filling this forms every month or every other week. I am 'XXXX labeled XXXX due to my XXXX XXXX and as my attending physician informed me that my injury is not something that will change for the better or remedy itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: OH
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 Repprting 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, CMREFinance # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Also I have been instructed by my local police department to file a report on www.identitytheft.gov and include the report on the attachments on my disputes as it was FEDERAL LAW ENFORCEMENT AGENCY and they will help me get the justice I deserve. 

Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00}, and XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$98000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2021-04-01
Company: EQUIFAX, INC.
State: NC
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:
XXXX, EQUIFAX and XXXX  is reporting inquires to my credit from UNKNOWN SOURCES without my consent or knowledge. 

XXXX  is reporting 17 INQUIRES EQUIFAX is reporting 11 INQUIRES XXXX  is reporting 8 INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/2023 XXXX technology approved As a one-time courtesy, we adjusted your payment history, allowing us to remove the charge-off from your credit report. You will see these adjustments reflected when our updates are sent out for May. You should have access to your credit line right away. 

Remember that this one-time adjustment is an act of good faith that you will keep your account healthy and submit your payments on time. 

I received an email because this company has been reporting negative balance when I have statements that funds were coming out of my bank accounXXXX XXXX XXXX still have not reported the positive balances and payments to all credit bureau. I will attach most recent statement from XXXX XXXX as well as the email for this company to report my current positive balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: Account Management Resources
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've told AMR to quit calling, specifically the number they had listed. I have TWO work phone numbers, one which is specifically used for my work agency employees and patients ONLY. I do NOT give this phone number out to people. I could imagine that they've taken this number off of a recent car loan application and began calling it. They shouldn't have it to begin with and should not be calling it as it is specifically listed as a WORK NUMBER. This is the second time they've done this after I've told them to STOP CALLING 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 2023-08-01
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: U.S. BANCORP
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:
Hi, I noticed today I have a credit card account on my credit report belonging to Elan Financial Services stating it was opened in 2014 on XX/XX/XXXX. At this date I was 14 years old and can say with confidence I did not sign up for this. My credit report notes payments have always been on time for this report and XXXX says the balance is just short of {$10000.00}. I have not known about this credit and have not used any of it, or payed any of these payments. I am trying to get to the bottom of what is a fraudulent line of credit in my name. Thank you for the help. 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 2018-10-11
Company: Total Card, 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: Information belongs to someone else

Complaint:
these accounts do not belong to me. I have never opened the account and have had my paychecks garnished and be harassed by phone call for over 3 yrs.. I never opened this account and I will file complaints with XXXX  and other agencies and will file for damages up to {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First of all I call the help line to do this complaint and was told it was after hours and it is only XXXX XXXX on a Wednesday. I have been having problems with my escrow for a year ever since I got a lower home owner 's policy. I was told over and over even though my ins. Went down {$500.00} to {$600.00} I still owed a deficit of more than {$400.00}. Which after calling them over and over I paid. Than I was told I would be called when the decrease in my payment took place which they didnt do so I waited to pay my payment. Now I am being told that the late fee that has happen due to me waiting is valid bc they posted it on the website and sent a letter that I never got. I want my loan sold to a different company that cares about it customers XXXX XXXX  tells me they cant do this but why they sold it to them without my consent. This was not my fault and I should not be penalized for them not doing there job. I pay my mortgage by the XXXX u can look at my loan account to see that. I am a good customer but this I bull. I feel that as a consumer i have not rights. Mr. Cooper only cares about money and i am tired of being taken advantage of by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: AZ
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:
Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX   XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, ( proof attached ). This operation was preformed XX/XX/XXXX. i was not employed then, nor am I currently. I was unable to pay the bill, it was sent to ( ex ) husband, who said he paid, yet did not. I was unfairly sent to collection. I would request this be DELETED from my credit report as it 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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of a fraudulent account from my Credit File under section 605b of the Fair Credit Reporting Act. While I appreciate the Credit Bureaus ' efforts to remove some of the disputed accounts and information, there is still an account on my report that should have been removed. Upon recently reviewing my credit report, I discovered an account that I did not open nor have any knowledge of, which has not been properly verified. I urgently require the removal of this account : XXXX XXXX XXXX XXXX Balance : {$0.00}. I want to make it clear that I did not authorize the opening of this account nor did anyone do so on my behalf. This is a case of identity theft and I am reporting it to the authorities. If the Credit Bureaus insist that the disputed items are legitimate, I demand that they provide me with supporting documents. Otherwise, I expect immediate deletion of the disputed items.

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 2023-02-06
Company: WELLS FARGO & COMPANY
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I was contacted on XXXX from a girl named XXXX XXXX. Her message said the following : Hi, do you happen to have your student loans thru Wells Fargo? I am asking because they sent me paperwork with your information on it and wanted you to be aware of that ... .you may want to call them and check in. I checked this message on XX/XX/XXXX @ XXXX because I dont keep up with my messages on XXXX XXXX I responded back last night and said XXXX, thanks for the heads up! That is very odd. I called Wells Fargo this morning and they said the last communication they had with me was on XX/XX/XXXX about receiving a XXXX XXXX Payoff amount. After doing some research on the individual, I did not think this was a fraud or a scam because she had pictures of her wedding and her mother/brother etc was commenting on everything. I asked how she received this paperwork and she said that she asked Wells Fargo for a Payoff quote and they sent my loan payoff quote information to her email address. I did not ask for her email address or any other information. I have contacted XXXX XXXX, my new student loan refinance and have changed all my passwords on my account. I am entering this claim because Wells Fargo has gone past their privacy policy and shared my information with another individual who had to message me on XXXX about it. I am not happy with the service I received and they have done nothing to make me feel that I am protected along with my personal information.

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 2022-10-12
Company: EQUIFAX, 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX FOR THE LAST TWO YEARS I HAVE SENT SEVERAL LETTERS TO XXXX XXXX/AD ASTRA RECOVERY SERVICES AND XXXX DEMANDING A COPY OF APPLICATION ON FILE WITH MY SIGNATURE, IDENTIFICATION CARD AND SOCIAL SECURITY NUMBER. I HAVE A NEGATIVE DEBT OPENED XX/XX/XXXX, TOTALING {$740.00} ON MY CREDIT REPORT, THAT I AM UNAWARE OF. I HAVE NOT RECEIVED ANY OF THE INFORMATION I REQUESTED AND THE AMOUNT IS UPDATED MONTHLY. 
I HAVE NEVER RECEIVED ANY WRITTEN VERIFICATION OF LOAN DOCUMENTS FROM AD ASTRA/XXXX XXXX OR XXXX. AS A CONSUMER I FIND IT UNACCEPTABLE AND UNFAIR TO PLACE THIS ITEM ON MY CREDIT REPORT WITHOUT ANY PROOF OR JUSTIFICATION. 
UNTIL ANY DOCUMENTATION IS SUBMITTED AND RECEIVED BY ME IN WRITING, I WOULD LIKE IT REMOVED FROM ALL CREDIT BUREAUS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a Citibank credit card that I had planned to use while traveling in XXXX since the account does not have foreign transaction fees. I set up travel dates online so that I would not have issues using the card outside of the United States. I used the card from XX/XX/2023 to XX/XX/2023 with no problems. When I tried to use it on XX/XX/XXXX, I received a fraud alert on my phone. I called the fraud number, and was told that they could not verify my account for some reason. I called back again with the same response. When I arrived back home, I tried to close the account on XX/XX/2023, and they told me that they can't close the account because they can't verify my account. This makes absolutely no sense at all. I have the credit card in my hand. I answered all of the questions they asked about my " secret word '', my address, phone number, etc. I have had a Citibank credit card since the XXXX. Apparently, if I don't have another Citibank account, they can't verify your account. I just want to close this account, and have no way to do so, since Citibank has no locations near where I live.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: OH
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:
N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION : 602 A. STATES I HAVE A 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 2023-09-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX, my HSBC XXXX account : XXXX was suspended. My HSBC US app can not login. Also the HSBC XXXX account linked to my other global HSBC APP such as HSBC XXXX app, can not be viewed. 

I called HSBC XXXX customer service, and wait for more than XXXX minutes, and got an reply that I need to wait for further information and no other information for the time being. 

It is been more than XXXX weeks however, I don't get any reply from HSBC XXXX and my account is still suspended. 

Please help ask HSBC XXXX unlock my account. Thanks.

Company response to consumer: Closed with explanation