BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
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:
Im submitting this CFPB complaint to you today to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), The Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: WI
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 been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

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 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Experian Information Solutions Inc.
State: FL
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:
Late charges reported on disputed account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX, has violated my rights. 



15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

--

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 2019-10-23
Company: Specialized Loan Servicing Holdings LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialize Loan Servicing applied the {$1000.00} payment I sent XX/XX/2019 to the wrong account. I contacted SLS in Mid XXXX to correct the issue. I contacted them again on XX/XX/XXXX and XXXX. On the XXXX the agent told me the account error had been corrected. When I received my XXXX statement it indicated that the accounting error had not been corrected so I again called SLS.  This time the agent informed me the the error had not been corrected but was under review. Throughout this process they had asked me to send, via email, evidence of the payment being made. Four separate times I sent an email with the cashed check image attached and a corresponding " email received '' notification back from their address ( XXXX  ). During the last time I sent the email I noted a hand written account number ( XXXX ) on the cashed check. It was obviously a SLS mortgage account number but was not my account number. I called SLS, discussed the issue with the agent and gave her the account number. She looked at the account, stated that my payment had indeed been applied to that account and that she would issue an account correction that would take 3 days to process. Three days later I called back, again discussed the issues and was informed by the agent that the account was still under review. 

The difficulty correcting this issue caused me to refinance my home mortgage with a new company. Closing took place 2 weeks ago, I am currently waiting for SLS to send me the payoff statement, refund the escrow balance ( approximately {$2000.00} ), and refund the {$1000.00} XXXX payment plus the associated fees they charged for " late payment. '' All resent attempts to contact their customer service have resulted in extremely long wait times that eventually end with and automated teller saying " we are currently closed for a company meeting. Please call back in 30 minutes. ''

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 2019-12-02
Company: V and H Portfolio
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: Information belongs to someone else

Complaint:
The company has placed an account on my credit report that is not my account. They sent me a contract that was signed and its not my signature. The original company XXXX XXXX placed an account on my credit report stating that I owed them {$400.00}. I disputed this account with the credit bureau and they removed it after I tried to write the company on XX/XX/XXXX and the letter was returned to sender. Thereafter XXXX XXXX, another buyer bought this account and it was removed from my credit report after I disputed the account. I received a letter from Huffman company on XX/XX/XXXX, stating that I owed this money. I have explained to the credit bureau that this was an fraudulent account and I did not open it. I disputed this again with the credit bureau and they said that the information was verified by Huffman & Vance. This company added this account to my credit report and stated that I opened this account with them in XX/XX/XXXX with is inaccurate. I received an letter from the Huffman company with a copy of a signed contract. This is not my signature. This account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 notified all 3 major credit bureaus about fraudulent accounts reporting on my credit reports and they have yet to send me verification of any investigation they've performed or verification that these accounts belong to me, the following are all of the fraudulent accounts that don't belong to me as follows : 1.  XXXX XXXX # XXXX 2. XXXX  XXXX XXXX ACCT # XXXX 3.XXXX XXXX ACCT # XXXX 4.XXXX XXXX XXXX XXXX ACCT # XXXX 5. XXXX XXXX XXXX ACCT # XXXX 6.XXXX XXXX XXXX ACCT XXXX XXXX 7.XXXX XXXX ACCT # XXXX 8.XXXX ACCT # XXXX 9. XXXX XXXX XXXX XXXX ACCT # XXXX # XXXX # XXXX 10. XXXX XXXX XXXX ACCT # XXXX 11. 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 2019-10-23
Company: Experian Information Solutions Inc.
State: NC
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 have tried numerous times to get the credit bureaus to remove fraudulent names and addresses on my credit report, after sending letters and disputing these fraudulent personal information reported on my credit file, XXXX, XXXX, and Experian still hasn't removed under the fair credit reporting act. The only name that should be reported and showing on my credit reports is as follows : XXXX XXXX XXXX XXXX. The only address that should be reporting on my credit files should be as follows : XXXX XXXX XXXX. XXXX, NC XXXX. All other names and addresses are fraudulent and must be removed, the following are the fraudulent names and addresses as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2019-10-23
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX my checking account was unlawfully and unauthorized hacked and {$3900.00} was taken without my consent i have contacted the navy Federal credit union immediately i filed fraudulently paperwork after 20 days of hearing nothing i filed an appeal i was told it was my fault that some one stole my money they would not insure my stolen funds i even filed a aa co police dept report on the theft and the terrible customer service i was given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2019-10-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After much solicitation from PennyMac, I decided to initiate a refinance on my home, which they were currently servicing the mortgage for. The initial individual that I worked with was XXXX XXXX, she was wonderful ; polite, engaged, great phone etiquette, great follow up, and simply made me feel like this is a company I want to be in business with. As soon as she handed me off to XXXX XXXX, the issues started. Perhaps to no fault of his own, but his lack of follow up made the situation 10 times worse. I was the one that had to call over and over and over to get an update, I would leave messages and send emails and not even a courtesy email back. All my paper work was submitted in order, my appraisal came back even higher that what we needed, my credit was where it needed to be, my reserve funds were where they needed to be, everything was in perfect order to close my loan. They denied me because I had some mail going to my mothers house, which is not wrong in any way shape or form. They never asked for a letter of explanation, they never asked for a copy of my license, never put a call to me. If I did not call over and over, no one would have even told me. I asked for a manager and was lied to about it being escalated to someone who was not even there for days. I offered to provide my birth certificate and proof my parents owned the house, I sent the letter they never asked for, I sent the copy of my license they never asked for. To this day no one in management has called me back. The items I provided should have been requested from me, I work in the same industry and know that my file has been mishandled and as a client I have not been given the service I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Massive amount of fraud IDs scams frauding my documents and as business account and IDs scams and phones and internet scams frauding my documents. Federal and state not authorized Frauding scams national security clearance data Frauding scams IDs and accounts business frauding my VA mail and social security data and passport data Frauding scams frauding as medical scams Frauding scams using assortment of books and publication scams Herds frauding my documents as restaurants menu 's and food products Frauding saint XXXX XXXX XXXX XXXX XXXX XXXX ob Serial numbered documents of my birth certificate which is serial numbered attached to all my grade school documents and medical files and taxes and IRS pin and passport data ect Others wrecked my XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX country Indiana as others states counties and town and government and in ever state where they pulled that frauding scams frauding my XXXX country Indiana XXXX XXXX Indiana and family XXXX Indiana documents by the others state family 's and business.like they copied my grade school federal and state of Indiana permit and then copied all the adjoining data attached to the school by others states family 's after they copied the school

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 2020-09-11
Company: Experian Information Solutions Inc.
State: NC
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 CLOSED MY ACCOUNT 2 MONTHS AGO. PAID BALANCE IN FULL. 

XXXX XXXX IS NOT ONLY REPORTING A {$140.00} BALANCE TO MY CREDIT REPORT/ 'S BUT IT IS ALSO SHOWING UP ON THE SAME CREDIT REPORT/ 'S THAT I AM NOW 30 DAYS LATE ON MAKING A PAYMENT TO THEM ON A CLOSED ACCOUNT//? ''A CLOSED ACCOUNT '' XXXX  XXXX STATED TO ME THAT IF I DO NOT PAY OFF THE ''INACCURATE BALANCE OF {$140.00} TO THEM. XXXX  XXXX STATED TO ME VIA PHONE THAT WE WILL CONTINUE PINGING YOUR CREDIT IN EXAMPLE ... 30 DAYS LATE..60 DAYS LATE..90 DAYS LATE ETC ... PLEASE HELP ME WITH THIS MATTER. THE ACCOUNT IS CLOSED ... I PAYED IT IN FULL ... I WISH TO NO LONGER DO BUSINESS WITH XXXX  XXXX ... I NEED THIS COMPANY TO STOP! THEY ARE DESTROYING MY CREDIT AS I DO NOT HAVE A MONEY TREE TO SHELL OUT CASH TO THIS COMPANY IN ORDER TO STOP THEIR UNLAWFUL REPORTING TO THE CREDIT AGENCIES IN TERMS OF THE WRONG AMOUNT I DO NOT OWE THEM AND THAT THEY WILL CONTINUE AS IF IT'S A REVOLVING ACOUNT//?? THE ACCOUNT IS CLOSED//THAT WOULD BE A COLLECTION AND OR DEBT OF SUCH A BALANCE NOT A REOCCURRING 30 DAYS..60 DAYS..LATE ETC ... ' '' 'PLEASE HELP '' 'TECHNICALLY THAT IM PRETTY SURE IS EXTORTION WHILE NOT ONLY BEING UNETHICAL BUT IS UNLAWFUL. 

THANK YOU

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 2019-10-23
Company: Clear Start Today
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/2019, I spoke with XXXX from Clear Start Today - XXXX x XXXX. She explained that the best program to consolidate my loans would be to pay {$240.00} x 4 months to lower my monthly payments for {$140.00} / month for 240 months and for one interest rate. I thought this money would go towards my student loan payments not a fee to consolidate my loans. I gave my XXXX card over the phone to make the first payment and then set up monthly payments going forward for the XXXX of each month- 3 payments have been processed. I e-signed a document for the client agreement on XX/XX/XXXX and proof of income was sent on XX/XX/2019. On XXXX XXXX, I got an email about an FSA ID that was created. On XX/XX/2019 I received an email and phone call on the XXXX stating my payment was declined and confirmed payment over the phone again using my XXXX card for the third payment. I was told this program was specific for my federal loans however I was notified by my loan provider that starting XX/XX/2019 my private loans were put into forbearance and that my auto deposit from my bank account was stopped however I never authorized this information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-25
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX day I typically receive about XXXX phone calls during work hours from a " No caller ID '' number. In the past I have answered while on break from work and learned that it was from Comenity Bank. I have agreed to make payment on the late accounts on XXXX XXXX when my next check clears and they are still continuing to call me at the rate of XXXX calls per day from the same " No Caller ID '' number. I have asked them to remove my phone number from the account and yet I still receive calls. I have not disputed the debt and have told at least XXXX people what my personal situation is. After having been a credit consumer of each account for at least 2 years and this is the first time I have ever been late, the harassment of several phone calls a day with no call back number sincerely has me thinking lawsuit. Especially since I now work for an XXXX.

Company response to consumer: Closed with non-monetary relief