BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: AR
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 XXXX Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 is the list of items which do not belong to me or were opened without my permission 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 Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 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 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 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 2020-12-17
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed Chapter XXXX Bankruptcy in XXXX of XXXX. I did not reaffirm my mortgage loan in the event I would not be able to pay the loan I would not be held liable and the only collection they could perform would be to reposes the home and could not file a default judgement against me due to no reaffirmation of the loan when filed Chapter XXXX bankruptcy. Now the 4th Mortgage company is filing a judgement against me with the courts for {$60000.00}. They are not allowed to file this judgement as I understood due to the Chapter XXXX Bankruptcy we filed in XXXX. I had to spend {$500.00} on a retainer fee because they have filed judgement against me when the law clearly stats if filed Chapter XXXX and no reaffirmation on the mortgage that they can't come after me personally but Shellpoint Mortgage has filed a judgement against me XX/XX/XXXX. We have not paid the mortgage since XX/XX/XXXX and they have passed it down from one mortgage company to another each time the new company files a judgement against me. This judgement was dismissed by the courts in XXXX of XXXX. Each month we receive a notice from Shellpoint Mortgage that we are not responsible for loan payment due to Chapter XXXX and no reaffirmation of the loan. PLEASE help us to STOP this illegal action!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: TX
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:
on XX/XX/2023 i sent out a dispute letter for inaccurate accounts that had been reporting on my credit report, some accounts are duplicates with diff account balances and alot of inaccurate reporting from all three credit reporting agencies, i sent out proof of my identity drivers license, mail from home address, last 4 digits from ss # on dispute letter, and XXXX sent me a letter past 30 days stating the dispute letter wasn't from me, XXXX and Equifax have not reached out to me not even one time in 90 days and my first dispute letter in XX/XX/ they are clearly neglecting my right to challenge anything i believe is not accurate on my credit file and violating my consumer rights and also being uncompliant with FCRA and METRO 2 COMPLIANCE GUIDELINES, this agency has put stress, frustration and XXXX to my life because of there wrong doings, which has put my financial status in jeopardy to move forward in life, ive listed a few violations below, but not limited to all that apply to my credit profile, i have attached some documents with this compliant as well, ( 1 ) 15 U.S. Code 1681s2 ( a ) Reporting Information with actual knowledge of errors 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.

( 2 ) 15 U.S. Code 1681s-2 ( b ) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, ( ii ) the information is, in fact inaccurate ( 3 ) FCRA 623 ( a ) ( 3 ) Duty of furnishers to provide notice of dispute If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute ( 4 ) FDCPA 807 ( 8 ) False or misleading representations Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 5 ) 15 U.S.C 1681i ( 5 ) ( a ) Treatment of inaccurate or unverifiable information ( A ) If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received 4 identical pre-recorded voicemail messages on my cell phone from an Unknown caller ID # XXXX on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XX/XX/XXXX. The recordings stated that they were from CBSA Collections and provided a callback number of XXXX. On XXXX XX/XX/XXXX, I contacted the Registered Agent for the company with a demand letter identifying myself, explaining that I do not owe CBSA nor any other debt collector, and sought damages for willful violation of the Telephone Consumer Protection Act as well as Section 305.053 of the Texas Business and Commerce Code. I communicated with their attorney on multiple occasions by email and phone attempting to negotiate a settlement and avoid a lawsuit. On XXXX XX/XX/XXXX, I notified their attorney by email that I would settle the matter for {$12000.00}. As of XXXX XXXX, I have still not received a response to either that email or a phone message which I left with their attorney on the morning of XXXX XXXX. On the afternoon of XXXX XXXX I filed a small claims case seeking statutory damages as stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: MoneyLion 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 status incorrect

Complaint:
Back in XXXX I called Moneylion to make an payment on an account. The representative told me it would be deleted within 30 days of receiving my payment. That was the agreement verbally over the phone. Those calls are also recorded and monitored. I demand that it be deleted off my credit report. Account was paid as agreed.

Not only is it still on the report its still reporting derogatory status with a comment it was paid after discharge. I have called twice since the initial conversation and was told 1 out of those two conversations that it would be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Received a letter on XX/XX/2023 ( dated XX/XX/2023 ) that my credit card was cancelled due to inactivity. I never received a letter, email notice, or notification message in my online account that the account would be closed due to inactivity.

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 2020-02-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX. We paid off our loan on XXXX XXXX 2020, the company showed an escrow balance and we called to confirm this was correct. They said yes verbally and digitally on the website. 

They then closed out the account and sent us a check for over {$2700.00} less. We have called for the explanation, why the huge difference, and they said it was because we didn't make a XXXX payment. This did not make sense, because we closed on XX/XX/XXXX. They received the wire transfer in the first week of XXXX and notification ahead of time. They applied it on the XXXX and on the XXXX ; which also didn't make sense, if they received the single payment, why break it up and space it out over days but record it on the XXXX. 

We have called and spoke to management over 5 times, each time it was a different story and the numbers changed. XXXX XXXX was the last XXXX. Their object now is to not answer the call or put us on and off hold for hours until we get upset and hang up. 

We have been cussed out more than once when they thought we were on silent or hold. 

For my wife 's first home buying experience this has been a nightmare. 

XXXX XXXX They claim all of this security and safety of your private information, but we are constantly being called and receiving mail by XXXX party people that are marketing business partners.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  Accounts : XXXX XXXX, XXXX, XXXX XXXX  and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 non-monetary relief
Consumer complaint received 2020-12-17
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Sunday, XX/XX/2020, at approximately XXXX XXXX, I tried to withdraw {$60.00} from my checking account. The machine took an extremely long time but looked like it would ultimately dispense the cash. However, at the very end of the process, the electronic receipt appearing on the screen said, " Reversal '', and the cash was NOT dispensed. My account was charged {$62.00} ( which includes the merchant {$2.00} fee ), along with an additional {$2.00} which US Bank claims it charges for using a non-US Bank machine. Please note that this consumer realizes full well that ATM machines actually SAVE banks money by taking on the role of tellers. They should be paying us to use the machine. US Bank 's electronic system FAILED to note that it was a " Reversal '' ( I'm sure that electronic message had to have been communicated ) and DECIDED to take the money out of my account officially 48 hours later. The 24 hour delay ( it should have taken only the usual 24 hours to post ) meant that a dispute filing was also delayed for that time. No provisional credit has yet been issued, despite the infinitesimally small amount, and the only thing they will say is that I have to wait AT LEAST 10 business days. They are USING my cash, so will I then get the interest they are making on it while they hold it?

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 2022-07-08
Company: EQUIFAX, 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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ( XXXX XXXX ), has violated my rights. They have been sued by attorney general. They are closing all stores. On the company website they will request all three credit bureaus to remove negative payments and put on accounts paid in full. Since XXXXXXXX XXXX is scamming people I would like this removed before they request it to be removed this is affecting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and correct : XXXX XXXX XXXX : {$20000.00}

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 2021-08-24
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This bank Is crazy Im a victim Of Identity theft fraud never applied or had any accounts with them but they wont let me open one either so confusing I want a checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
To whom it may concern, I have XXXX inquries on my transunion that were fraud and never authorized by me. I never gave anyone the right to run my credit score the following inquiries need to be removed from my credit profile on transunion and any other reporting agencies. Under the fair credit reporting act 609. XXXXL ( Bank ) XX/XX/XXXX, XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/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 2023-04-28
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a Macy 's credit account and they provided me with a temporary card. I received a bill for the balance before I received a physical card. The bill did not include a full account number so I used the account number referenced on the temporary card and paid in full ( XXXX ) via my on-line checking account. They took the payment but lost it. I received a second bill stating balance was not paid and charging interest. I immediately called in, explained my issue and was told another department would look into it and call me back. They never did. I have contacted the credit card company no less than 5 times. I have sent them proof of the payment with amount and their name on the withdrawel. I have shown they never returned payment so they still have it. Within 30 days of sending them this information they reported non payment to the credit bureaus. I have sent the credit bureaus the same proof but apparently my credit score keeps going down. The bills even say the account is in dispute and I do not owe the disputed amount at this time, but the only other charges on the account are the fees and interest on the {$330.00}. I recently applied for a XXXX XXXX XXXX and was denied due to this issue. How do I get this removed from my credit report, restore what was an excellent credit rating and get Macys to apply my on time and in full payment that they took on XX/XX/?

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 2019-11-26
Company: WELLS FARGO & COMPANY
State: CO
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 sister and I have the exact same social security number with the exception of the very last digit. While going through my credit report recently I found several items on my credit which I did not open and I am positive that it was due to my sister using my social for her accounts. There are 7 student loans taken out in 2009 alone. There's no way that they all belong to me. I would like to see about researching which ones belong to me and which ones don't and see about removing the ones that do not belong to me from my credit report. 
My sister was working for XXXX XXXX a little more than a year ago and during that time her student loans were not reflecting negatively on the credit report because the company has a repayment program but a year ago my sister left that company and now all of a sudden I have all of these extra student loans that have hit my credit report and lowered my credit almost 200 points. 
I have been trying for months now to be able to figure out where the student loans are being held how much is being held and when they were open so that I could figure out which ones I needed to dispute but every single loan holder that I have called has no record of my accounts existing at all. 
I am at my Wit 's end and I don't know what to do from here and I would greatly appreciate the assistance

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