BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
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: Reporting company used your report improperly

Complaint:
Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN

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 2021-04-22
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:
This is a formal complain regarding my credit report. Suddenly, I found account and inquires in my profile that do not belong to me. I do not recognize them at all O tried to contact these companies however they never pick up the phone, I am sure that someone just used my personal information and as a result I am a victim of identity theft. This situation is damaging my score and credit and I my financially suffering now. Please remove them 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 explanation
Consumer complaint received 2022-10-04
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

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 2019-06-28
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:
XXXX, XXXX AND TRANSUNION HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT. 

THE FOLLOWING INFORMATION IS INCORRECT PLEASE DELETE : XXXX XXXX XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXMULTIFAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEX XXXX XXXX XXXX   XXXX, FL XXXX-XXXXMULTIFAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXMULTIFAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXMULTIFAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE

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 2019-06-28
Company: Experian Information Solutions Inc.
State: GA
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 do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 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 2019-05-17
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. I am currently SELF Employed please remove XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :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 2020-11-10
Company: Strategic Alliances, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello - Hope you are well. I am writing in a complaint about a company that goes by XXXX, or First Financial Asset Management located at XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX. The company is a debt collector. This complaint is about abrasive ( borderline abusive ) nature of XXXX of the supervisors, by the name of XXXX XXXX ( if I captured it correctly ). The case in question is # XXXX. 

This is a somewhat unique situation, in that the end consumer ( myself ) disagreed that the debt was valid and after over 65 minutes on the phone including a conference call with the original debtor, the debt was considered satisfied in the first place. 

The individual from the debt collection agency, XXXX, was extremely unkind, difficult to deal with, and offered a few statements that could be construed as threats. I kept a level tone through the discussions, despite the fact that he raised his voice. A few of the highlights from our discussion : " You don't get anything for free ; '' Offering unsolicited advice " Whenever people use points, they always come my way. Always pay for things the right way. '' He also stated numerous facts that were either incorrect ( and possibly illegal ). The first one ( which is incorrect ) is that he stated when you chargeback something from a Credit Card, the company does not get a chance to rebut the claim, implying that I had filed fraudulent chargebacks. He also incorrectly stated that the agent had said the debt was valid, and that he heard it on the call. This is false, as the agent had ruled that the debt was not valid. Last but not least, when it appeared we had not come to agreement, I had stated to him that I received his letter on XX/XX/2020, and that I intended to reply in writing that I disputed the debt and wanted to see an itemized description of the debt in question. XXXX informed me that it did not matter, because he was marking in the file that I am refusing to pay, implying that I would be left to deal with the credit impacts. He then offered to take payment, and if the charge was reversed by the client, he would refund the money. This is abusive, misleading, and completely inappropriate. I can only imagine that this takes advantage of more unfortunate victims of this organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 submitted a letter to Transunion asking them to provide me with the information they have obtained to validate the accounts that are currently listed on my credit report. There are numerous accounts listed on my credit file that are inaccurate, multiple listings and accounts that are to old to be on file. As of today, Transunion still have not provided me with the information that I requested of them. They mailed me a letter asking me to verify my new mailing address instead of providing the documentation they obtained in order to lawfully report these accounts. 
Attached is the letter that I sent to them.

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 2019-05-17
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a small limit Old Navy credit card from synchrony Bank. On XX/XX/19 I was sent a letter that, because my credit score dropped a few points, they closed my account. The balance was XXXX, and there had never been a late or minimum payment on the account. 

My complaint is the unfair penalization of closing my account, further lowering my credit score, when I never had a late payment or any other issues paying this account, or any other credit cards. Also requiring me to take yet ANOTHER hit to my credit score if I ever wish to apply again. 

How is this practice even legal?

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 2019-05-17
Company: Nelnet, Inc.
State: MI
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 a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
***PLease don't ignore the attachment for supporting documents***** How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment remarks on my credit for last year 2019. I'm not quite sure what's happening with XXXX XXXX  or XXXX   XXXX  not responding, but as you can see on the attachment, i have approved for extension when i called back the last XXXX and honestly i can not be marked late on my credit report. I've already called them and the representative stated that might be an error that i should contact the credit reporting agencies. I been trying to reach both XXXX XXXX  and all the 3 credit bureaus for more than 90 days and i still haven't received any responses. 


I am not sure how this happened, but this is reporting in error and violation of the written contract and even some CRA is reporting incorrect, incomplete, unverifiable and inconsistent information. One is reporting the wrong date of last active, wrong date of last payment, each bureau are showing different payment status, etc. This is impossible if this was ever verified. Please correct and delete 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 2021-07-15
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FTC theft report was sent. Ignored. 

I requested verification that I opened the debt, through a signed document or credit card receipt. XXXX  response was : " XX/XX/2019. As this application was submitted online, <b>there is no signed application to provide to you</b>. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. '' Your response states that the only proof you have is that someone used my information to open an account in my name. You also state that you do not actually have a signed application by me. 

Without a signed application or credit card receipt you do not have verification that I opened the account or that I spent money on the account ... other than circumstantial evidence ... but not actual evidence. XXXX  " evidence '' would not be permitted in a court of law, and should not be accepted as verification of the debt by anyone. 

Despite discovers investigation findings, without the proof that I requested, you can not actually verify the debt, because you do not have proof that i opened the account. 

Not only was I a victim of identity theft and fraud when the account was opened, but discover continuing to verify the debt to the credit bureaus, after receiving a ftc theft report, and after stating that they dont actually have proof that I opened the account is fraud against me and the credit bureaus. 

Please cease and desist all collection attempt of this debt from me, including but not limited to credit reporting. 

I have attempted to reach XXXX XXXX with discovers executive office repeatedly concerning this matter but he refuses to return my phone calls. 

I live and have lived in XXXX, Tx and not the address XXXX has as mine. My credit report shows XXXX area as my residence as a result of identity theft. Attached is a photo of my address from the state of texas.

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 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written, called, and submitted evidence to ALL 3 credit bureaus stating the charge off accounts and inquiries listed on my credit report and of fraud. They have not removed these items even after verbally agreeing to remove them. They are consistently lying to me and I am fed up. I have been a victim of TRUE NAME IDENTITY THEFT AND THIS IS A NIGHTMARE! PLEASE HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit Adjusters was collecting for a payday loan balance. 
I called them to pay, and their collection agent promised me that they would delete the collection from my credit report at all credit bureaus if I paid the collection. 
All I had to do was dispute it through the credit bureaus after I paid them. 
So I paid National Credit Adjusters and I have disputed it multiple times through the credit bureaus but National Credit Adjusters refuses to delete this account, even after their collection agent promised they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: SLM CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
After I did activate the card I could not use it for purchases. They put hold on my account asking more docs from me. I did provide them the requested docs but my account is still on hold. I have got no letters what so ever for the explanations.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( Original Creditor : 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 2021-07-15
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:
I found inquires that are total fraud. I found absolutely unknown inquires in my own credit profile. I do not want to have these inquires because they are not mine. Could you please help me to figure out who used my personal data and filed these items? Of course I would like to get rid of them and if you remove them after your check I would be very grateful.

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 2019-01-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My sister received a voicemail of a civil complaint towards me regarding a debt. I called the Company XXXX XXXX XXXX XXXX on XX/XX/2019. I set up a payment schedule for a debt of XXXX through XXXX XXXX XXXX. I have signed a contract which I regret doing.

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 2020-02-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Money taken out of my checking account for a payment I didnt authorize and has put my checking account in the negative by almost {$800.00}. 

I called and made a payment for XXXX payment that was processed on XX/XX/2020 for {$1300.00}. This includes my mortgage payment plus a {$17.00} payment processing fee. 

On XX/XX/2020, an unauthorized mortgage payment for {$1200.00} was debited from my account. 

Why is the company taking money from my account without my permission? 

I was told that because Im paying my XXXX mortgage payment in advance, Im not authorized to pay on-line. And my only options are paying by telephone with a representative for {$17.00} or by mail. 

I didnt want to take the risk of having payment lost in the mail, so I chose the telephone option. 

Now, my checking account has unauthorized drafts.

Company response to consumer: Closed with explanation