BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : Installment account needs to show up on my TransUnion report as well XXXX XXXX XXXX, I am asking for you to investigate and add my installment loan that shows on my XXXX credit report to also show on my TransUnion credit report as your site says it will. 

You clearly state Credit Builder Loan ( optional add-on ) reports to TransUnion and XXXX. We require 1 successful payment before reporting. 

The purpose of this installment account with you, that I paid on time, in full, was to increase my credit profile and score for XXXX and TransUnion it shows on XXXX it needs to show on TransUnion. 

Please see attached - complaint - drivers license - social security card - address Please have this report to TransUnion at once.

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 2021-03-09
Company: Stenger & Stenger, P.C
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I used to have a credit card with XXXX XXXX  which was sold to Steinger and Steinger debt collector Steinger and Steinger filled a law suit against me for the owed amount and they had a garnishment against my salary XXXX the payroll agent deducted the amount from my paycheck on bi weekly basis till the last XXXX but Steinger and Steinger still stating that the last amount was not sent to them by the court therefore they are still reluctant to update my credit report. 
Steinger and Steinger is asking me to contact the court and ask them why they have not sent the last payment however I believe Steinger and Steinger are the one who is responsible to contact the court and not me.

Steinger and Steinger keep reporting my account is late and not paid in full however the money was fully deducted from my salary.

Please help me from the debt collector who are damaging my credit report for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, Experian and XXXX by way of XXXX Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 

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 U.S.C 6801-6802. Has Violated my rights. 1. Account Name : XXXX XXXX  / Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : XXXX/ Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently looked at my full credit report and came across accounts that I never opened and wasnt aware of. I also notice the last four digits of a social XXXX on my report which I would like removed because it doesnt belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2023 at XXXXXXXX XXXX. I submitted a dispute with Equifax about some inquiries that I didn't authorize or didn't recognize on my credit report. On XXXX XXXX at XXXXXXXX XXXX. I received email notification that my dispute was completed. No items were removed, and Equifax stated that after investigation all accounts were verified as accurate. I don't believe 10 accounts were verified in one day as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
My FICO score dropped out of the blue when contacted Equifax their validation systems shows some account allegedly opened on XXXX and XX/XX/XXXX even when I froze my credit with all unions on XXXX. 

Contacted all the companies listed within Equifax questionnaire and all of them said i didn't have any outstanding debts with them. 

On the other hand I have only one credit card that I keep below XXXX out of XXXX and will pay off that amount soon. 

Equifax is deliberately hurting my score and my chances to increase my credit and get employment by having to pay fees and deposits for utilities and rentals which is basically an strategy to keep me poor. Even when I pay all my accounts religiously. rental, food and services all paid in full and yet this is not enough for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Robbery Description : Attached is Police Report # XXXX report detailing the theft of my purse and wallet from my car. My purse, phones and wallet were recovered by police officers, but my wallet contents had been emptied. This included my credit cards, debit card, and Texas Drivers License. As a result of the theft, my ID ( drivers license ), Debit card and credit cards were stollen and not recovered. Subsequently XXXX fraudulent transactions have been completed at Chase bank locations. 
Fraudulent Transaction Descriptions : XXXX. The first claim ( # XXXX ) is for {$1000.00} withdrawn from my savings account at the Chase Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This withdrawal was made at approximately XXXX PM on XX/XX/2023 according the XXXX XXXX XXXX ( XXXX ) texted to my phone. I was on a flight at the time and received the text late. The attached Transaction summary shows the withdrawl happened at XXXX. 
XXXX. The second claim ( # XXXX ) is for {$2000.00} withdrawn from my checking account at the Chase Bank located at XXXX XXXX XXXX, XXXX, TX XXXX. This withdrawal was made at approximately XXXX PM on XX/XX/2023 according the XXXX texted to my phone. The attached transaction summary shows the withdrawal happened at XXXX. 
The accounts associated with these two transactions have been have frozen after each incident. 
I opened a new checking account on XX/XX/2023. 
The Police Report associated with these fraudulent claims is XXXX. 
XXXX. The XXXX claim ( # XXXX ) is for {$1800.00} and {$2000.00}. XXXX checks were written from XXXX XXXX to my name and were cashed in person with a forged signature. XXXX XXXX accounts were closed and the checks were returned resulting in cash being debited from my checking account. Cash from my newly opened checking account was given to an individual in possession of my ID. The dates of the checks are XX/XX/XXXX and XX/XX/XXXX. These transactions were performed on my new account. 
The police report associated with these fraudulent claims are XXXX, also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There are 2 debt collectors that started calling me at 6 months ago and it happens every day. They each call about 15 times a day ... They both start calling at XXXX until XXXX ... 
I've tried a couple times to contact them. It's busy or someone answers saying I have the wrong number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. these items which I believe to be fraudulent and misleading needs to be dealt with immediately. 
Here are the aforementioned items : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed 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 non-monetary relief
Consumer complaint received 2021-03-14
Company: Spring Oaks Capital, LLC
State: MO
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 received a collection notice from Spring Oaks Capital LLC on XX/XX/2021 for {$3000.00}, that doesn't belongs to me and i replied with letter asking " debt verification '' documents on XX/XX/2021, ( delivered XX/XX/2021 ) but they never responded., they reported to XXXX  as a Collection. This is ID theft, i don't have any knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
I have several student loans open with Dept. of Ed/Nelnet. I am currently in XXXX still. I've made several attempts to dispute inaccurate information on my credit report with the company itself and credit bureaus. They are reporting different information to each of the three bureaus, so nothing matches across the three bureaus. They are reporting late payments that don't even make sense. The account goes from good standing to all of a sudden 90 days past due within a 30 day period in XXXX of XXXX and as well as in XXXX of XXXX. They state they were trying to contact me to make payments but the phone number they had on file for me was a phone number from Texas and I have never lived in Texas or have been associated with anyone in Texas. I have proof of my credit reports they are reporting inaccurate information across all three bureaus and none of the information matches, however, every time I dispute the information it comes back verified. I'm unsure how the information could come back as verified when none of the information matches or equals up correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on forbearance till XXXX of XXXX  it ended on XX/XX/2021 I ask for extension but they denied, my loan provider is select portfolio servicing. they assign it to foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: GA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XX/XX/XXXX Individual As Of : XX/XX/XXXX Capital XXXX Individual As Of : XX/XX/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 2021-07-01
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:
Ive disputed with Equifax three separate occasions over the past 90 days an unverifiable item that is on my report. They have not removed it, they have not responded and there is no creditor/collection company name on this account to contact. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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:
Please remove the following inquires and accounts that violates my consumer rights according to 15 us code 1681b. MY CHARACTER TO ESTABLISHED CREDIT IS BEING TOURNISHED BECAUSE MY RIGHTS AS A CONSUMER IS BEING VIOLATED ACCORDING TO THE US CODE LISTED IN MY REPORT. PLEASE REMOVE ASAP

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 2021-03-14
Company: Experian Information Solutions Inc.
State: AL
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've sent in disputes on XX/XX/2021 and XX/XX/2021 to XXXX and XXXX regarding to the collection XXXX aka XXXX XXXXXXXX XXXX. I haven't received any information pertaining the disputes about the collections I have no knowledge of.

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 2023-06-14
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello! I received two messages recently about accounts being opened in my name. THe first was from US Bank on XX/XX/XXXX. I received an automated text message. When calling the help number I could not get through. I emailed them immediately and reported it as fraud. The second was a phone call from XXXX XXXX XXXX XXXX XXXX today, XX/XX/XXXX. I let the person know calling that I did not open an account. She directed me to freeze 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 2023-01-23
Company: The CMI Group, Inc.
State: TN
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:
This collection agency Violated my consumer rights : 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : XXXX XXXX XXXX Account Number : XXXX Date open : XXXX XXXX Account Type : Collection Status : Paid, was a collection account, insurance claim or government claim was terminated for default. 

Status Update : XXXX Original Creditor : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation