BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance {$9900.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX NA Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX 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 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 2023-10-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-11-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Several months ago I removed an unused bank account in the app so it would stop auto paying from that account and instead paid manually with another account. 

on XX/XX/22 Synchrony readded that old account to my account and tried to pull the payment from it resulting in a reversal and insufficient funds fee. As soon as I noticed this I immediately paid the bill due manually and tried to remove the readded account but there is no way change autopay in the app. 

On XX/XX/22 they did the same thing. 

On XX/XX/22 they closed my account with no notice and took my rewards balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: LA
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:
My credit report appears to have been corrupted. I was looking through my records once more when I discovered a lot of information, accounts, and other things that did not belong to me. Due to my meticulous study, I discovered that you are required by law to erase and block any accounts or information that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records and the bank 's. Remove these files immediately : 1. XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX. If you believe there is a chance that these accounts belong to me, I will need all supporting documents bearing my signature ( according to another research item I discovered, you must confirm each account is 100 % true, accurate, correct, complete, and VERIFIABLE ). Please be aware that I will take legal action if you don't offer any records while saying the item is verified. Both my attorney and I do not enjoy gaming. Therefore, abide with the law so that this situation can be resolved quickly.

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 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed monthly XXXX charges hitting my Merrill Lynch credit card in the amount of {$59.00} after 4 months of getting hit wit these charges. I tried to phone XXXX  to track why I was getting charged as I couldnt see an open membership account with them although I had done business with this merchant before. The rep offered no information or assistance so I went to Merrill Lynch and asked for help in disputing the charges. The rep took all of my info, said it would be submitted. A while later, I receive a letter from Merrill asking me to author a letter to them detailing how I was a victim of identity theft. I phoned Merrill and said it was not id theft but a simple billing dispute. The rep said no problem, took all the info again via phone. 1-2 weeks later, I receive ANOTHER letter from Merrill asking me to essentially author another letter to them detailing all the info they already had received from me ( twice ). I tried to phone the number on the letter. The department said they were not the ones handling it, they kept sending me to another and another department, each time on hold for 2-30 minutes in the queue until they hung up on me eventually. I tried phoning over the course of 3 days, approx. 30 times and this occurred each time. My husband is experiencing EXACTLY the same with Merrill Lynch credit card dispute - letter, oh, wrong department, we don't handle, wait in queue, get hung up on. I just closed my account, I have lost {$240.00} in charges that they charged back to me that I had to pay to close out with them. There is something evil going on here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Courtesy removal from credit bureaus account XXXX XXXX XXXX XXXX, I am asking for a courtesy removal of the account : XXXX The purpose of this account with you, that I paid in full, was to increase my credit profile and score and its having the opposite effect its hurting it. 

For that reason I am asking you to completely remove it from existence in all my credit bureaus its located on. 

Attached to this complaint is : - drivers license - social security card - address - written complaint Please have this removed 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 2018-08-14
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was sold from XXXX XXXX to Loancare starting XX/XX/18. I made XXXX 's payment with XXXX XXXX on XX/XX/XXXX which they state has been transferred over but Loancare still says they have not received that transfer. I have been going back and forth between both companies trying to figure out what I can do to resolve this issue. They both kept telling me not to worry because I have a 60 day grace period before the payment is actually considered late. I have 15 days left until that 60 days is up and neither company have resolved anything. I have sent proof of payment via e-mail and talked to a manager at Loancare. The last thing I was told to do from Loancare was to get a print out of my transaction with XXXX XXXX from my bank for the payment made on XX/XX/XXXX and then send that via e-mail. That has been done and I am now waiting on a response. I ended up making a mortgage payment for the month of XXXX as well as XXXX on XX/XX/18 because I don't want any payments to be late. I have now made 4 payments for 3 months. I took out roughly 3,500 out of my savings just to make these payments for XXXX and XXXX since nothing has been resolved regarding the payment I made for XXXX on XX/XX/XXXX. I have been dealing with this for about a month and a half now and have definitely been losing sleep over it because I feel like there is nothing I can do. My XXXX levels are at an all time high because I have been working on building my credit for a couple years now and would hate for a payment to be considered late which is why I ended up just making the two payments on XX/XX/18. All I want to do is make my mortgage payments on time which I am fully able to do. It should not be this hard and stressful to make a payment on time. Every time I call either company I am being treated like I am trying to get by with something and everyone keeps telling me to not worry about it and that it will get resolved. I am very disappointed that neither company can figure this out and that I feel like it is up to me to correct this issue that is between them. This is very discouraging considering this is my first house I have ever owned and finding out THIS is what I am going to have to deal with from now on. I have had to take time away from my job several times to sit on the phone with both companies on many different days. This has caused enormous stress in my life that is not deserved. I can't wait until this is figured out if it ever will be.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: IL
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-01-12
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX  contacted by XXXX XXXX XXXX XXXX with a reference number XXXX about a debt on a vehicle through Ally and XXXX. I do not have the exact number, but a little over {$4000.00}. They had my name, last XXXX of social, my phone, my parent 's phone, my brother 's phone and said they were sending out a summons to a judge for decision in XXXX days. I responded to go ahead because the vehicle in question is not my vehicle, but another family member 's who has the vehicle paid off and title, I have never opened an account with XXXX or Ally, however a family member did and the account was paid off. However, they insisted that the loan and " debt '' was under my name and social which is incorrect. They said they would continue with litigation and the summons sent out. The facts are, my social was never used for the purchase of the car, though they had the last XXXX, and I do not in fact own the car. All vehicles under my name and social are likewise paid off and titles in hand.

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 2021-03-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2021 I received a phone call from a third party locator stating that there was legal action that was going to taken on me. They stated they were looking for me and it was for an old pay day loan of {$290.00} that I didnt pay. They have made phone calls to multiple family members with this information. I called back the number that was given XXXX with the case number XXXX. When I called the representative at this company basically told me that the case was being filed and I needed to pay it today or else I would have to go to court. I have never received any type of legal documentation or have I received a letter from this debt collector. I tried to call back today XX/XX/2021 after contacting ACE CASH EXPRESS in which their representative told me that they have sold my debt but that this collection agency should never threaten me and they dont take legal action against people that dont pay their debt. They gave me a number to call so I can report this collection agency which I did. Anyways so I called the XXXX number and tried to resolve this issue I did mention to her that I connected with ACE and they told me they would never sue me and I asked her why this company would use these tactics on people and scare them into giving them possibly all the money they have for this debt. She didnt say anything and continues to tell me there is nothing she can do for me that my case is now being filed and I can not resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Mohela has horrible customer service. Wait time is ridiculous 45 minutes to 1hr. Placed on hold multiple times after speaking to a representative. If you ask to speak to a Supervisor I was told that I would be on hold for hours. Also, I'm being told different information when I call about my PSLF payment that have not been updated. This is the worst company to service student loan accounts. I will be looking to transfer my loans to a different servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: GA
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 am communicating with XXXX XXXX XXXX  for the delinquent reporting on my consumer report. I have disputes with XXXX, EXPERIAN and XXXX for errors that this company has reported. Each consumer reporting agency named has verified these inaccuracies that have not been authorized by me, the federally protected consumer. I am now providing exhibits that errors have been reported because each consumer report has reported different information that is conflicting. This account status is reported as charge off with XXXX AND XXXX and transferred, closed, written off for {$400.00} with EXPERIAN. XXXX XXXX XXXX  is to be the original creditor that has written off the alleged debt however, it was never transferred to a collection agency and they have continued to collect on the alleged debt. 

XXXX ( File Number : XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 
EXPERIAN ( Report Number XXXX ) has reported this account has been transferred, closed and written off on XX/XX/XXXX. 
XXXX ( Report Confirmation XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 

The inaccurate reportings have been verified by each reporting agency and have never been corrected as clearly the charge off dates are each different. Because XXXX, EXPERIAN and XXXX have verified unfair and inaccurate reportings, it is now their responsibility to delete this account and let the record show they have negatively impacted a consumer with false assumptions.

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 2021-07-19
Company: EQUIFAX, INC.
State: NY
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I never gave XXXX, XXXX, or TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. I have made multiple attempts by phone and mail to resolve the matter but they continue to negatively effect my livelihood, reputation, and ability to secure credit. 

They do not have any permissible purpose to furnish my personal information to any third party as I have the right to privacy per 15 USC 1681a. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I am aware of my federal rights as a consumer now. The company, and or agents are negatively affecting my ability to secure credit/loans. Furthermore, a charged off account is in tern considered income for the company in respect for tax purposes and income can not be furnished on a consumer report either. Again, this is not a request that the below referenced accounts/items be removed from my consumer report, but rather a DEMAND. I'll allow 15 days from receipt of this complaint to comply and remove the listed accounts before I begin to take legal action, seeking the highest remedy and resolution in court. 

As a consumer, I am demanding a deletion of the following account ( s ) : 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 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 2022-03-09
Company: Experian Information Solutions 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:
I have reviewed my consumer report and I've found several unverified account being furnished. This is extremely harmful to my credit standing and need to be removed.

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 2022-03-09
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted source receivables management on numerous occassions over the past six months requesting validation of debt with a contract bearing my signature for this inaccurate account. I have not gotten anything back in writing validating this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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