BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX I have No knowledge of the account information and its inaccurate.I contacted them by phone and the representative hung up on me, once i stated I have no knowledge of account or whatever it is. 

STATE OF MI XXXX XXXX XXXX ACCOUNT ISNT PAST DUE AND IS PAID IN FULL. I contacted them. 

I have inquiries that were made on an auto loan that I never acknowledged nor did i approve 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 2018-09-19
Company: EQUIFAX, INC.
State: KY
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:
XXXX XXXX i was never served with papers on this debt for court and the debt has never been prove to me in acordence to FCRA and all three are listing this debt incorrect i want this full debt on all three removed asap i am a XXXX vet frighting with them for going on two years please help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2018-09-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please see the attached. 

The issue is the Mortgage company, PennyMac , LLC, falsely reported my home vacant and was directly responsible for my Home Owners ' insurance being cancelled, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$8000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

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

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020 Sears Mastercard close my account after receiving payment of total balance outstanding. The reason given by Sears Mastercard was information received from my XXXX  Credit Report with incorrect information from XXXX XXXX in dispute. I contacted Sears Mastercard via telephone and email on XX/XX/2020 to inform them that my intention was to reduce my Credit Card Utilization. I requested an appeal to have the current credit limit reported to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$3000.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

-- COLLECTION ACCOUNTS 2. 01 XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. 08 XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am a human being, I am a Woman, I am an XXXX American, I am a XXXX Veteran. I applied for a VA Home Loan and was approved with navy federal credit union in XX/XX/XXXX. XXXX XXXX is the loan processor. She failed to keep me inform of my home loan status or return phone calls and emails. When we talked over the phone on XX/XX/XXXX at XXXX She told me that I talk like I am an animal. She stated that she is XXXX  XXXX  so she can not be XXXX. She dehumanized me to justify her mistreatment and devaluing of me. She did not give me info on my loan and told me her boss XXXX XXXX the guy that hung up in my face in XX/XX/XXXX knew about me. I got sick to stomach and my family was upset about how XXXX talked down to me and her XXXX speech and attitude towards me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hunter Warfield ( XXXX XXXX XXXX XXXX. XXXX, FL XXXX ) is trying collect a debt ( Hunter Warfield Account : XXXX in the amount of {$6500.00} ) that was already resolved through SUPERIOR COURT OF CALIFORNIA COUNTY OF XXXX XXXX. I tried to explain this to the associates of Hunter Warfield on XX/XX/2020. They were unprofessional about the situation, none of them gave me a chance to dispute the situation. They only laughed at me and ended the call. Even though a few times I mentioned that the issue had already been resolved through court. 

Today Friday, XX/XX/2020 I have received yet another harassing a threatening letter with an attached contract that is false and misleading information, from Hunter Warfield trying to collect a debt Account : XXXX in the amount of {$6500.00}

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of my Identity theft Affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-09-01
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit card in the mail from XXXX XXXX that I did not apply for. When I contacted them they asked me to call the Bank that opened the credit card Commenity Bank. When I called them they said someone had used my identity, my social security and date of birth to open a credit card in my name and had charged {$570.00} on beauty products. They have closed the account and I have also contacted XXXX  to place a fraud alert on my account. I am fearful of new accounts being opened and so am reaching out to you ... 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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: Information belongs to someone else

Complaint:
I am Victim of Identity Theft. This Account does not belongs to me.

I did Not give anyone Consent to open this Account.

this Account, That is on this Report 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 2020-11-22
Company: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

Complaint:
In XXXX of XXXX, I received and reviewed my credit reports from XXXX, XXXX, Experian and XXXX. On them I saw docket numbers : XXXX and XXXX. I then contacted XXXX, XXXX  and Experian and asked for verification on where this information came from. The results were, Experian told me they verified these records through a third party company, XXXX  gave a vague response that it was verified as accurate but did not say from whom. XXXX  said they verified the records through the court. I believe this to be a violation of my rights under the Fair Credit Reporting Act so I reached out to the court here in Missouri. On XX/XX/XXXX I received the enclosed letter from the court stating that they actually do not furnish any of my information to any credit bureaus at all. XX/XX/XXXX I followed up with the credit bureaus to let them know of my findings and I sent them the letter from the court. Ive done all I can as a consumer but I need your help because I am being ignored. It has been an entire year and I have never gotten a response from the bureaus or any further results or authentic verification. Please review the enclosed documentation and remove dockets : XXXX and XXXX from all credit reports immediately. Please send me confirmation when this is completed. I have also included a copy of my license for identification purposes. 
Thank you in advance for your assistance.

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 2018-02-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid 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 called Chase to report fraudulent charges on my credit card statement that were from XXXX car rental in XXXX on XX/XX/17. I was never in XXXX and reported the charges to Chase on XXXX occasions. I also had them replace my card with a new one and new number. Chase has not done a thing to remove the charges and i have been tranfered from dept to dept. The total charges are {$1500.00}. 
I also want to note that I recieved fraoud alerts from chase via email and text and replied to them as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries that were not authorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Attached below is one account ending in XXXX that was left with a zero balance and was not being used. The bank was contacted In XXXX and not notated of my request to close the account by the representative. I received threatening calls on the behalf of a representative demanding to close the account due to non activity. I agreed that it would be best and asked if my number could be removed from their list for future call. This account remained opened and fraudulent charges was assessed to this account for years including late fees and etc. No notice or documents were ever sent to me regarding their error. After reviewing my chex system report and proceeding to bank else where. I observed and was informed that this negative and fraudulent information reported was the cause of me not being successful in opening an account with other buisness. I am requesting for this account to be removed permanently from my chex system report immediately or there will be further legal action. Attached are emails with was used to open this account proving that I had a XXXX  balance throughout the entire time of this account. This account was left opened for fraud and data breaches for the banks gain. I have already been a victim of identity fraud, have reported it, added a security alert with all credit bureauas, chex system and have done a identity report. My information was compromised and found in over 9 data breaches. I currently have a data breach settlement with XXXX  for XXXX and XXXX and also with FEMA. For banking information, passwords, email addresses, job information, debit card information, social security numbers and other names used to obtain credit without my consent. XXXX XXXX XXXX is also another listed fraud account ending in 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 2023-07-24
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: Was not notified of investigation status or results

Complaint:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: Thaxton Investment Corporation
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: Account status incorrect

Complaint:
Covington Credit is report a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, i called immediately and paid this off. I never received any phone calls, collection notices, or letters about this debt. This account is still reporting an balance which is erroneous. I need this fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: MN
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 several fraudulent inquires on my consumer profile that I did not authorize and they need to be removed immediately as per regaurds the FRCa law 1681 ( a ) ( e ). The inquires are as follows : XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: AMERISAVE MORTGAGE CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is regarding Amerisave non-compliance with supplying accurate Closing Disclosure documents in a timely manner for loan.My husband and I were scheduled to close on the re-fi of our home on XX/XX/XXXX at XXXX. We did not receive corrected documents until XX/XX/XXXX at XXXX. Amerisave dropped the ball and were remiss in fulfilling their responsibility of delivery of Closing Disclosures in the prescribed timeline to stay in compliance. 
I applied for the loan on line on XX/XX/2020 and spoke with XXXX XXXX NMLS # XXXX. I noted and explained to XXXX XXXX at that time that we DO NOT escrow our Homeowners Insurance premium. XXXX XXXX assured me, at that time, that it would be removed, and adjustments made accordingly in all future documents. 
Numerous emails, voice mails, and text messages were exchanged with the assurance that the correction would be made in a timely manner. The correction was finally made at XXXX XXXX  the day before closing as noted above. Well outside of the compliance time frame of 3 days. 
Other parties involved directly with this complaint : XXXX XXXX NMLS ID # XXXX and XXXX XXXX AVP - Mortgage Sales Manager NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX ( XXXX XXXX manager )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation