BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$460.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11
Company: BARCLAYS BANK DELAWARE
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
Please see my previous correspondence for more information on this matter. Let me make this perfectly clear. My biggest concern here is not that I received or didnt receive your response. My concern is that there is still a close to $ XXXX fraudulent charge showing on my account even though I promptly reported the charge as fraud!!! I am requesting an immediate re-investigation and removal of the charge from my account under my rights under the FCRA. I am scheduled to make a payment on this card for over $ XXXX on XX/XX/XXXX and I do not have the funds in this account to cover a FRAUDULENT CHARGE OF THIS INSANE AMOUNT! I will provide any documents necessary that you require for the re-investigation of my whereabouts or what have you to prove to you people that this is fraud.This is really getting ridiculous.

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 2023-08-30
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
i closed an account in XXXX apx with wells fargo they promised me a closing statment thirty days after and i never got it today i called cust service and because i could not remember my username for the online account she refused to help me. i gave her my ssn and everything else. XXXX was her name. tel XXXX XXXX XXXX. 
XXXX XXXX put a refund on my card ending in XXXX i told XXXX XXXX not to do this but they did it anyway i told them the account was closed they said it would kick back and at that time they could give me my refund well it never kicked back so wells fargo has it the transcation was doneXX/XX/XXXX and the amt was XXXX so, i am filing a compliant 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 2018-12-05
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the law section 809 of the FDCPA ; XXXX XXXX XXXX XXXX, XXXX, SC XXXX MUST provide a 'signed ' contract of myself doing business with their company and my obligation to pay them. this company HAS NOT PROVIDED this information to me. The above company has been given the allotted 30 days to provide this. THEY ARE VIOLATING MY FEDERAL RIGHTS and are subject to lawsuit. I want to file this complaint on this company for this. Please assist me in correcting this, as it is and has damaged my lifestyle and ability to gain and maintain employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the 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 2022-09-13
Company: EQUIFAX, 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:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Experian Information Solutions Inc.
State: NV
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:
Experian is reporting opened date and payment history in this account XXXX Mortgage wrong, since this is inaccurate reporting please remove it from my credit report.

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 2018-12-05
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sunrise Credit Services Inc called me stating I owed XXXX  {$34.00} dollars. They nevetr mailed me no letter or anything pertaining to the debt. I also have attach 4 US Certified letters to XXXX and proof since XX/XX/2018 XXXX, XXXX, XXXX, XXXX to the balance. I also filed a complaint with the Consumer financial protection bureau on several times which was forward to XXXX XXXX as well. XXXX was called and every time I was told some one would return a call in which they never did. There was several letters sent with no response from XXXX  to the balance or settling the debt.It was never but the run around with XXXX. 
Sunrise also told me on the phone that they did not have my address to mail a letter. If the account was sent over from XXXX they had the account number as well as the address and XXXX received letters about the debt as well on each letter the full address so there was no excuse for such a lie by Sunrise Credit Service

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank of America closed my credit card without notifying me first and kept all of my unused cash rewards that I earned by using my card. I had about $ XXXX {$6000.00} in rewards that I was not able to cash out due to them closing my account and keeping my money.

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 2021-11-12
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR THE MORTGAGE ASSISTANCE BUT THE SERVICER IS REFUSING TO REVIEW MY FILE THEY ARE REFUSIGN TO REDUCE MY PAYMENT AND RATE BASED UPON MY INVESTOR GUIDLEINES XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received an alert from XXXX XXXX that a collection was added to my account. Logged into XXXX XXXX and called the company " Midwest Recovery Systems. '' Spoke with a gentleman named " XXXX '' who asked me for my social security which i refused to give. He then proceeded to ask for my name. I provided the name and the agent said that i took out a check into cash loan on XX/XX/2013. Agent forced me to pay it by saying today they report to all credit bureaus. I disconnected the call, and checked all my bank statements from the year 2013, a check into cash loan or any payday loan was not taken out. 

I researched the company and found many reports where people have claimed this company has done the same to them and the debt was not legitimate. I am requesting that action be taken against this company and this fraudulent account be removed from my credit report. In addition, no correspondence has been sent to me and this showed up on my credit report overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Experian Information Solutions Inc.
State: NV
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:
Experian is reporting opened date and payment history in this account XXXX XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove it from my credit report.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protested consumer rights to privacy and confidentially under 15 U.S.C 1681. 
XXXX ) XXXX  ACCT number XXXX Date opened XX/XX/XXXX Chargeoff {$590.00} XXXX ) XXXX XXXX ACCT nunber XXXX Date opened XX/XX/XXXX wrtten off {$190.00} XXXX ) XXXX XXXX XXXX ACCT XXXX XXXX XXXX XX/XX/XXXX Writtenoff Repossession {$25000.00} XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) ACCT XXXX XXXX XXXX XXXX XX/XX/XXXX collections {$2200.00} XXXX ) XXXX XXXX Acct Number XXXX Date XXXX XX/XX/XXXX collection {$9600.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct Number XXXX Date opened XX/XX/XXXX collections {$670.00} XXXX ) XXXX XXXX XXXX number XXXX Date opened XX/XX/XXXX collections {$2100.00} XXXX ) XXXX XXXX XXXX ACCT number XXXX XXXX XXXX XX/XX/XXXX Collections {$1500.00} 15 U.S.C 1681 Section 602A states I have the right to privacy.

! 6 U.S.C. 1681 Section 604A 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 reporting by more than 7 years.

15 U.S.C 1681 s-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 2020-02-27
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed for Bankruptcy in XX/XX/XXXX and my Confirmed Plan in XX/XX/XXXX stated that I was to pay {$3500.00} in principle and interest plus property taxes and insurance for my mortgage. My original payment amount was {$6200.00} per month prior to filing Bankruptcy. After filing, I sent in partial payments approximately every 2 weeks for various amounts ranging on average from {$1500.00} to {$6000.00} throughout the years. The total paid per month usually averaged around {$5100.00}. Seven years later in XX/XX/XXXX the bank filed a Notice of Default which said that I was {$200000.00} behind in my mortgage. My total mortgage balance on my payment history said that I owed {$500000.00}. When I checked the original amortization schedule that I received when I first closed on the mortgage, it said that my balance as of that date was supposed to have been {$540000.00}. So I was actually AHEAD of where I was supposed to be with the balance. When I looked at the payment history, there were checks that I had sent that were NOT listed. When I looked at the calculations, they apparently were charging me {$3000.00} per MONTH in late fees! The reason that I made partial payments was because I had read on the internet that biweekly payments would cut the interest down and make you pay off your loan faster. They also show " unapplied funds, '' which on the XX/XX/XXXX statement totaled {$110000.00}. I would like to request an AUDIT to see if they have made mistakes with calculating my interest and if they have applied all of the checks that I have sent. I have copies of my cashiers checks. Please let me know how to get an AUDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 disputed the account with the credit bureau and it came back as verified as accurate when it is not.

The creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX  The amount is {$370.00} and they are saying that I still owe {$140.00}. It says it is charged off as a bad debt. Of course, I did not pay this because it is not my debt.

This account is not mine. It may be someone that has the same name and birthday, but my address and name are not associated with this account and it was opened without my knowledge or consent. My social security number was compromised.

I asked them to remove it and they refused.

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 2023-08-30
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
Company: Experian Information Solutions Inc.
State: MO
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 applied for credit card so i can help my mom and I was denied. I checked my credit and its accounts on there I know nothing about. Please remove these from my credit Account with no name account # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX  XXXX, XXXX, XXXX. Its inquiries as well that I again dont know where they come from 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 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. I have contacted the FTC and local police department.

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 2020-01-31
Company: Navient Solutions, LLC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX years old and a co-signor on a student loan administered by Navient. The loan dates back 11 years or more during which time payments were made timely. Recently, I received word from XXXX  that a negative credit report had been made against me by Navient because of a late payment on the account. Apparently, the primary borrower failed to make a payment. This was the first notice of any kind that I received to the effect that the account was in default. I immediately brought the account current. As it turns out, Navient did not notify me of the delinquency because it did not have accurate contact information for me. This is hard to understand because it had been receiving payments from me for years. In short, Navient completely failed to notify me, the co-signor, of the account delinquency before filing a negative report about me with the credit reporting agencies. The negative effect of Navients report on my credit score has been significant. My credit history is otherwise exemplary. Ive asked Navient to retract its report and it has refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: The Bureaus, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Hard inquiries on my report with unknown accounts. Also have different names listed with differ state searches. Victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, 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

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