BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Midland Mortgage is still being deceptive and undermining the COVID-19 CARES ACT by not giving consumers the right options nor following the rules provisioned by the CARES ACT. I am currently in the process of exiting my Forbearance on XX/XX/XXXX ( please see complaint XXXX for reference and more context on my experience with MIDLAND MORTGAGE in regards to the CARES ACT provisions ). I would also like point out that they XXXX is not they loss mitigation number, its customer service. If you don't know to ask for a lost mitigation agent, customer service will pretend to be one and waste your time. On XX/XX/XXXX at XXXX pst I called XXXX and spoke with XXXX XXXX who acted like loss mitigation then confirmed she was not loss mitigation and I had to ask to be transferred and was greeted by XXXX XXXX XXXX a loss mitigation agent. I asked what are my options she stated I can go on the website and see the two options. They are the partial claim and foreclosure. I told her I wanted neither option but was interested in a partial claim Covid-19 re-modification and I did not see that option online. She did some mumbling incoherently and I asked again if she was loss mitigation. She said you and then began to take the application for the Covid -19 re-modification. My current mortgage is XXXX she stated me a re-modification number at XXXX. I informed that was still kind of high and can we get a lower number. She said no either take that number or enter foreclosure. I told her I would do anything to avoid a foreclosure. I then asked her how did she get that number and she stated she did not know the computer gave it to her. I told her I would be filing a complaint because the information I read on XXXX was very different from they are doing it. I read it would be a 25 % reduction and that the mortgagee will coherently calculate everything. I then asked XXXX XXXX if I had to pay the XXXX on XX/XX/XXXX or will they have it figured out by then. She stated she did not know and for me to wait until I receive mail from them. On XX/XX/XXXX XXXX pststill concerned I called XXXX spoke to " customer service '' got transferred to loss mitigation agent XXXX XXXX who finally acknowledged the provisions but clarity, proper proposal or extension. Midland Mortgage is not being very forward about this process nor fully following the process and it is stressful enough already dealing with this not too mention all the other things going on.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-12-15
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM 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 COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM 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 COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE 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 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi, I am writing to figure out how to resolve my terrible situation. The point that I found some items that do not belong to me. I do not know them, I do not recognize them. I thing its a mistake in reporting or identity theft. Once there was a situation when somebody used my personal information so I guess therefore I have fraud accounts actually. Could you please explain to me what should I do?! How I can dispute them or could you please delete these accounts from my profile?

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 2023-04-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My unauthorized withdrawals claim has been denied again. I notified the bank in a timely manner when I first noticed my account balance. I was hospitalized from XX/XX/XXXX until the XXXX on an involuntarily hold so I couldn't leave or have visits. During that time my account was drained of my money without my authorization or knowledge. I notified my bank right away and they provided me no provisional credit while their investigation lasted 90days. For them to deny it. I would like to know why they say that there is no mistake and that the transactions in question where approved therefore no error is found. What proof do they have to make such a statement? When I am clearly a victim of identity theft and that was not me or anyone I know withdrawing money at the ATM. I am requesting then to look at the ATM videos to see that it was no me who withdrew the money. This is 5 months of my social security income that I desperately need returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Self Financial Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
was issued a card from Self lender ( XXXX XXXX ) and never got notified a payment was due for a membership fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: AMERICAN EXPRESS COMPANY
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:
XXXX says I owe money to American Express and XXXX bank!! Both accounts are paid off ; however, they refuse to correct error!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a written agreement with NCBI credit management and they furnished me a letter stating they would delete the collection account and verbally told me so over the telephone in XX/XX/2021. They re-nigged on the agreement and now it is still showing up on my credit. I call them and I get nothing when I call 10 times a day several days in a row. This company is run by scam artists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion has a fraud alert against me that is preventing me from getting a replacement of my XXXX XXXX XXXX. Have contacted Transunion multiple times to remove any fraud alert that they have on my account, but this still have not been done. This is preventing me from getting a replacement credit card and any new credit card

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 2021-07-16
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVER PL Account Number : XXXX  This is not mine.

2. Identity Theft XXXX Account Number : XXXX  This is not mine.

3. Identity Theft XXXX  Account Number : XXXX  This is not mine.

4. Identity Theft XXXX  Account Number : XXXX  This is not mine.

5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX XXXX  Account Number : XXXX  This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

2. Identity Theft XXXX Account Number : XXXX  This is not mine.

3. Identity Theft XXXX Account Number : XXXX This is not mine.

4. Identity Theft XXXX Account Number : XXXX  This is not mine.

5. Identity Theft XXXX Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX BANK SS XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened 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 2021-12-15
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:
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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2018-01-03
Company: Experian Information Solutions 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:
I have notified Experian of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX Credit Card XX/XX/XXXX 2. XXXX/ XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XX/XX/XXXX 4. XXXX 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 2019-12-20
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
State: DE
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:
I have been diligently trying to challenge some fraudulent items on my credit report with Equifax and between XXXX and today Equifax has refused to respond to my letters and or online request. 

I cant view my Equifax reports on XXXX XXXX, Equifax.com or XXXX XXXX XXXX. I found a way to view them finally about a week ago bit Equifax is still ignoring me. This violation of the fcra and if im not able to check my reports and have a proper dispute investigated then I will if need be contact a FCRA attorney, also I have always sent in the required documents to verify my identity. My id social security card and proof of address listed on your website. Th proof ofaddress was dated within the last 30 days and im elderly and XXXX  so they are violating the American disability act. they are taking advantage of the ederly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: Account information incorrect

Complaint:
XXXX XXXX POTENTIALLY NEGATIVE Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX BALANCE REPORTED INCORRECT {$680.00} XX/XX/XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$550.00} Updated on XX/XX/XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$660.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$410.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$440.00} Updated on XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Balance {$500.00} Updated on XX/XX/XXXX XXXX Balance STATUS IS INCORRECT XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Balance IS INCORRECT {$220.00} XX/XX/XXXX XXXX XXXX  XXXX POTENTIALLY NEGATIVE Balance INCORRECT {$990.00} XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX 
Balance {$590.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance {$520.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX INCORRECT {$370.00} XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my phone at least six times a day from multiple phone numbers. I block these numbers all the time but I am being harassed. I lose sleep and at times it distracts me from my job how frequently they call. I am thinking about taking legal action so I can have peace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15
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: Old information reappears or never goes away

Complaint:
Well i finally have gotten one fraudulent accounts that were in collections removed and instead of Experian, XXXX, and XXXX, XXXX XXXX raising the score 21 points like advertised, it dropped 21, ive been writing vigorously trying to get fraudulent debts where law enforcement and my XXXX took credit cards out in my name and got loans and services using my information or changing my personal information so they could steal and ruin my credit, all the services and beruas show conflicts of information, I just applied for Credit Cards for the first time in 25 years and it shows ive had them before but it was done fruadulant, I used a company XXXX XXXX XXXX for 25 years and never needed a credit card, i always thought my credit would go up over time and it never did because someone was committing fraud using my information, I want all debts and closed collections removed from my reports globally, i onlywant 1 name on my reports globally soits XXXX steal from me or use my information, they probably have fake id, XXXX XXXX XXXX XXXX is the only name i go by ever in life, my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX, take off all those old fraudulent addresses ive never lived in Florida or NJ or Tennessee, I want myscore adjusted to what it would have been if fraud wasn't committed, I work at XXXX now XXXX XXXX XXXX XXXX Pennsylvania warehouse, and formally at XXXX XXXX XXXX XXXX, everything else i want off of my reports globally, so its not so easy to keep doing this to me, i cant even get a apartment in my name and ive done nothing wrong, XXXX is my only social security number my only phone number is XXXX before that i used a company provided cell phone. Please help me getthis all straightened out. My future and life depends on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
one day, i get that letter i enclosed and for almost three years treasury along with dept of education and XXXX XXXX all colluted question when ones salary gets a levy on ones salary isnt a judicial signature at minimium a equirement? no these XXXX XXXX just steal my money i write XXXX and no one did XXXX till i found a loop hole and stated theyd stop stealing my money buut almosr three XXXX years, i want my cash back! what the XXXX country is this?

Company response to consumer: Closed with explanation