BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: FISERV INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Have around {$5600.00} I need refunded asap that was stolen been waiting over 4 weeks now and havent even got a letter to sign saying that it was stolen and to continue investigating with my money network XXXX  debit card There numbers XXXX  My names XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-09-25
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing sent foreclosure papers to us last summer because we are behind on our home equity loan. We tried unsuccessfully to mediate with them. They sent us paperwork on XX/XX/20 which showed that the Principal Balance was {$40000.00}. We asked for a payoff amount and they sent papers to us on XX/XX/20 stating that the payoff would be {$61000.00}! That is a difference of {$21000.00}! That is extortion!

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 2019-08-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a chase customer for 10 years and I have XXXX chase freedom cards. Recently ( 1 days ago ), I received the offer for a credit limit increase which I accepted. Please not I didnt request it first hand. Then I keep seeing a prequalified offer for their chase Sapphire preferred and after a few logins I decided to take the bait. I applied and got approved. Five days later, I try to use my card at a gas station and it was declined then again later. So I logged in to check out what the problem is because I havent been using much of the card I actual only had {$64.00} balance on a {$2000.00} limit. Thats when I see that all my cards were closed. 
I called them and the reason is too many inquiries. Chase card was the last card I got last year until XXXX when I applied for a XXXX. I dont understand how thats too many inquiries! On my XXXX and XXXX I only see XXXX. XXXX has XXXX ( 2from XX/XX/2017 set to be removed by next month, XXXX others from chase itself and XXXX for apartment leasing ). I am shocked and embarrassed that chase takes such a measure without informing its clients. I am also annoyed because I had enough no late payment and the accounts are always paid on full. I am no flight risk, I have been with them for years. I was just doing a product change as my credit has risen so much and I need cards with rewards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: CT
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:
Your investigation did not fix error in my credit file. I have informed you already that my report contains accounts that results of identity theft. Please do you reinvestigation and notified me of the result. After your investigation and corrections I want an updated credit report that negative items removed and deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Starting XX/XX/XXXX, I received a bill from Home Depot asking me to pay for $ XXXX merchandise from a credit card I did not open. 
I called the phone numer on the statement and they transferred me to Citi bank. They said the card was opened and used in XX/XX/XXXX. That Home Depot store is in XXXX, XXXX  and I live in XXXX, XXXX. I was able to close the card and make fraud claim. However, I keep getting the bill asking me to pay for the amount I did not spend. 
I called them again and they said that they need to see my ID, so I faxed them my Driver 's License. They reopened the case after that. However after 1 or 2 months they sent me a letter saying that I was responsible for the amount and charges because this account was not fraudulently opened. 
I called their Security Operations again. This time they said that they needed me to answer some questions. After I went over 9 to 10 questions, they reopened the case again. After around one month, I received the same letter stating that I am responsible for the amount plus any late fee. 
I called them again today XX/XX/XXXX. After providing all the information, the person on the phone said that the date of birth on the account does not match my actual date of birth. What is the point of asking to see my ID then? 
I asked her what other information I need to provide to their investigation team. She said she did not have the answer for that. She said what she could do is to reopen the case again. 
I honestly can't trust the investigation team at Citi bank anymore. It's been almost a year now so that's why I'm writing this complaint to CFPB.

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 2021-04-18
Company: Experian Information Solutions Inc.
State: FL
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:
I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX DXXXX XXXX XXXX XXXX XXXX, XXXX, CA 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation

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 2020-06-10
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: EQUIFAX, 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:
Equifax continually updates my credit report and each time I have contacted them for resolution. It appears they do not care, and in fact continually report in accurate information on my credit report. Firstly, they are reporting the Auto loan with XXXX XXXX as closed yet this account is opened. Secondly the amount owed is {$17000.00} and they put that the amount owed is XXXX XXXX XXXX XXXX dollars. Which is totally incorrect. Knowingly reporting false information, and abusing the FCRA rules. They also marked on this auto loan that it is repossessed and that its been late. Its never been repossessed. Its actuallt current, and I want these remarks removed and the account to be correct. 

Next on the list is that XXXX XXXX XXXX XXXX is reporting that I owe them credit cards, and also show me as an authorized user. I had identity theft and these charge offs were opened without my permission. I did notify XXXX XXXX. Secondly I have asked to be removed as authorized user countless times. They continually lie. 

Also, XXXX XXXX is reporting Charge offs. These accounts were also opened online, at an address I have never lived at. They were then charged off. I never once opened these credit cards, and currently have an investigation going with XXXX. 

Also I have never had an account with XXXX. I reported this to them many times but nothing has been done. This is a fraudulent account opened online, that I never received nor authorized. 

Lastly XXXX XXXX also show credit cards charged off, and a line of credit. They admitted to me they have wiped these debts off their taxes and books. They sold these off to third parties, and that they have no contract. Therefore I do not owe these debts. They were cancelled debts, not mine and I want my credit file updated promptly. Also I should not have any inquiries as I have not attempted to apply to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Nor XXXX XXXX, Nor XXXX XXXX XXXX. Nor XXXX, Nor XXXX XXXX or XXXX XXXX XXXX. Nor XXXX XXXX, Nor XXXX. Please remove these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2020-06-10
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.

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 2023-05-06
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX have a copy of my bankruptacy petition and the discharge from aboiut two decades ago and thei can't tell me if the amopunts on my credit report are accurate. 

I went with the consolidation under teh Obama Administration and loans were consolidation. I had and have no idea if loans covered by the bankruptacy are removed. 
I am getting no assistance but I know the numbers are likely wrong and I am struggling getting information from teh National Student Loan Database.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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 and confidentiality under 15 USC 1681.

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.

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 ante
dates the report by more than seven years. 

XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX Account # XXXX and # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX  XXXX : Account # XXXX XXXX XXXXXXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I am on a COVID-19 pandemic forbearance, I was been told that my loan is not eligible for loan modification because as per XXXX XXXX guidelines since I had received 3 modifications in the past therefore at present ( COVID ) time it will not be modified. The current times are different, I sincerely request for help as I am unable to pay lump sum amount of about XXXX and also probably can not afford repayment unless it stretched out to very long time. 

I do not want to loose my home. Just like certain rules and policies have been changed due to the worst ever times humanity is facing in US, I sincerely request my loan can be modified to a lower interest rate ( XXXX at present ) with an affordable payment. 

No one contacted me in the last 30 days from the servicing company and when I last contacted I was been informed that I do not qualify for any options. Why does the servicing company even write on their website that No one will be required to immediately make up the paused payments, all at once or in a lump sum. 

My email address is XXXX. 

Thanks. 

Regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to resolve the debt by dispute on my credit report. They sent me a letter from a lawyer stating that i owe this debt. I have no knowledge of this debt. Ive tried several times to get this done. The amount in the letter says i owe XXXX. But with late fees and other fees it came to XXXX. The original debtor is XXXX XXXX  i have been a victim of identity theft and by their action to report this item is hurting my credit score. I would like for this to be resolved soon because I want to purchase a home the first of the year. Please remove this item from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: BARCLAYS BANK DELAWARE
State: CA
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:
BARCLAYS BANK DELAWARE is violating my privacy right by reporting the account BARCLAYS BANK DELAWARE XXXX WITHOUT my consent. No consent is identity fraud. BARCLAYS BANK DELAWARE is violating the following codes : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy.

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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX and TransUnion since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on 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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting 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:
My XXXX, transunion and XXXX credit report show incorrect information. I do not have job and I'm unemployed. Please make sure it says I'm unemployed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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