BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention an ongoing and concerning matter regarding the inaccurate reporting of late payments on my credit report. Despite my repeated efforts to address and rectify this issue, I have not received a satisfactory response, and I am compelled to formally dispute and request the immediate removal of these inaccuracies. 

Account Information : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX I have been diligently working to resolve this matter, and it is disheartening to note that my previous attempts to communicate and rectify the inaccuracies on my credit report have not yielded the desired results. I am confused as to why my requests seem to be ignored, especially considering my status as a victim of inaccurate reporting. 

As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy of the information they report. It is concerning that, despite my efforts to provide evidence and documentation supporting the inaccuracies in the reported late payments, my requests have not been addressed appropriately.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, Dear, Dear, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : [ dispute_item_and_explanation ] XXXX XXXX XXXX XXXX XXXX Education XX/XX/XXXX Closed Account charged off. {$16000.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX {$22.00} XX/XX/XXXX XX/XX/XXXX 0 % Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : {$150.00} {$15000.00} 144 Months Individual XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX 0 % {$18.00} {$1000.00} 120 Months XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. 
XX/XX/XXXX {$1700.00} XX/XX/XXXX XX/XX/XXXX 0 % {$31.00} {$1700.00} 120 Months Individual

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 2023-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 Please delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit 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 have been a Gap card member since XXXX. I used to live in XXXX XXXX 6 years ago, and since have moved to Colorado, where I have resided the last 6 years. Last XXXX, Barclays sent a new Gap card to my XXXX XXXX address, where I was not living at the time, even though I had my address changed to my Colorado address through the Gap app. The new Gap card that was sent to my old XXXX XXXX address was somehow activated ( not by me ) and the person ( s ) who activated it made multiple purchases at Gap, XXXX XXXXXXXX, and Banana Republic around the XXXX XXXX area in the span of 5 days to an amount of about {$2000.00} worth of purchases. I have never spent that much ever on my Gap card in years, and all these purchases were made immediately after it was sent out to XXXX XXXX and activated. Since that time, collection agencies have been calling me to collect a debt of over {$2000.00}. I was not made aware until XXXX of XXXX, because I hadn't shopped at the Gap for months, and the card I had in my possession since XXXX was apparently expired, and the new card that was activated was a card I never knew about. I contacted my XXXX XXXX XXXX department, and an agent helped me navigate my case, and told me to write a police report ( which I have and was issued ) and we contacted the Barclays fraud department and made the claim. Barclays reviewed the information and refused to help, and said their information was correct, and they sent out the card to the cardmember at the address they had on file. The card was opened in my maiden name, ( XXXX ) and it was sent to the address I hadn't lived in for 6 years, which was in XXXX XXXX. Although I repeatedly told them that the information they had about me was incorrect and old, they refused to hear it, and told me they were not settling the case as fraud and I still owed a debt. They also could not explain how the card was activated when the perpetrator did not call from my phone on file, and they should not have had any personal information to activate it with. The last time I spoke to Barclays, the agent actually hung up on me, even though I was being completely respectful in trying to get an answer from them. I have a police report, I have proof I have lived in Colorado for 6 years, I have proof the charges were all made in the XXXX XXXX area in XXXX of XXXX when I did not reside there, I have proof my legal name is now XXXX XXXX and not XXXX XXXX, which the card was issued under, and I have proof I have barely charged so much as {$200.00} in XXXX year on my Gap card, let alone {$2000.00} in one week. I would like assistance in claiming fraud on this case, as my credit score has dropped significantly, and this is a burden on my life.

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-26
Company: EQUIFAX, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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 2023-10-29
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I pay for monthly service from equifax, they blocked all access to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, they are 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 2022-06-05
Company: OPORTUN FINANCIAL CORPORATION
State: GA
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:
On XX/XX/XXXX my identity was compromised and I called all the companies that had a hard pull application out on my name and froze all 3 of my credit reports. On XX/XX/XXXX I noticed a soft pull from Oportun. I gave them a call to let them know that my identity had been compromised and to confirm that no applications in my name were made. They informed me that they could not locate an application in my name but would escalate to their high risk team and took all my information. I never heard back from them. On XX/XX/XXXX I received a notification from XX/XX/XXXX that Oportun requested a hard credit pull but it was blocked due to the credit freeze I had on my account and they were unable to get access. I didn't think much of it since the hard pull did not go through and I had informed them of potential fraud attempt in my name on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Oportun in the mail that they processed a request to change my address on my account that I never opened and only way I knew an account was opened was based on that letter. I called the company and eventually spoke with a supervisor. The supervisor stated that they would have been unable to flag any fraud under my name until an account is actually opened. If a consumer calls you to inform you of identity theft and you do nothing to prevent fraud being done through your company that is not safe for any consumer. The supervisor also confirmed that they opened an account in my name on XX/XX/XXXX. I requested that they close the account and she did and she also sent my information to the fraud team as there is no one on that team to speak with over the phone. How does a financial organization not have a fraud specialist that you can talk to on the phone? The fact that they opened an account in my name when my credit is frozen or based solely on a soft pull is unacceptable. They need to close the account permanently and I should not be liable for any charges the person who made the fraudulent account made while the account was open. I called back on XX/XX/XXXX and the supervisor I spoke to them confirmed that the person had made {$11.00} worth of charges but would not provide me the full card number. What kind of company does not have a fraud team that you can speak to? What kind of company when you inform them that your identity has been compromised 4 days before an account is opened allows an account to be opened? Their customer service team and system is not equipped to protect victims of identity theft from having an account open in their name. The fraudster tried to open 5 accounts in my name and the only one where they were successful was Oportun due to their lack of controls and fraud prevention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Location Services Holdings, LLC
State: WA
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: Problem with personal statement of dispute

Complaint:
I purchased a car in 2021 from XXXX and too find out later I was basically scam by the dealership and was paying interest only on the car while my credit was XXXX and the con me and was also reporting to the credit bureau false information. Found out later on the news all the cars that were bought during that time was reported false information on people credit and also gave bad loans. So the car I bought was XXXX when it was supposed to be XXXX. On top of that due to the stress I had all the banks deny me from their in house lending to the point solicitors kept calling my phone and I ended up with another auto lending named auto approved and they basically find bank who can finance and take over the loan with a lower interest and rate and they screwed me over and bought the car but raised my payments from XXXX to XXXX and it kept switching and onto of that lied to me about refinancing saying I had to wait a year when it was not true and because of that Im in default and can recover financially.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I was an identity theft victim dating back to XXXX when I filed my first police report. It was due to XXXX due to a credit breech. In XXXX my credit was fixed and was XXXX. It is now XXXX and I have sent numerous letters, police reports etc to all 3 credit bureaus and my credit went from XXXX to XXXX. Instead of removing the fraudulent debt it is getting charged off. My consumer rights have been ignored. Charging off fraudulent debt to destroy my credit over and over again is not right. Fix my credit

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 2015-04-23
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last year I refinanced a loan for a house that I own with Nationstar Mortgage to bring down my payment, and to rid the PMI insurance. It did bring down my payment for about a year, but as the second year started on the payments Nationstar brought my payment back up to the amount I was paying, so I reviewed my payment and noticed they had been charging me PMI insurance under another name Borr Paid, and that they charged property tax XXXX against my escrow. I called Nationstar about this, they said they would review my escrow statement I informed them that the Ins payment was not on my truth in lending statement nor my escrow statement, as for tax payment they said they did n't send out a second tax payment, but according my statement they did. On the PMI they want me to do a PMI cancellation and charge me an appraisal. My complaint is they need to cancel my PMI and refund me the money they have been taking out for the last year since it was n't in my contract to begin with, and to refund the second tax payment, since they made these mistakes on my escrow it was caused my Payment to increase by a {$150.00} a month.

Company response to consumer: Closed with explanation