BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 disputed with the credit bureaus several times regarding addresses on my credit report that do not belong to me and are on my report as a result of identity theft aswell as inquiries and fraudulent credit accounts opened in my name and have asked they be removed the credit bureaus will not remove these addresses, accounts, and inquiries. I have provided them with identity theft reports and ask that these be removed from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Experian two weeks ago, because my credit report is stating a deragatory mark that has been there for over 60+ days. The problem is I requested a copy of my credit report and all of my accounts are showing up in good standing, and I can't see any deragatory marks. I told this to Experian and they told me that they can't talk about any information from my credit report. My credit score has gone down because of this deragatory mark, and I can't even dispute it because it is not showing up on any of my accounts. I've looked at my reports from all three major bureaus. XXXX and Experian are both reporting a serious delinquency/deragatory mark 60+ days, but XXXX is not XXXX I've attached my three credit scores from the major three bureaus. 

So to summarize, both Experian and XXXX are reporting a not existing delinquency and it's not even showing up on my credit reports, causing my credit score to drop over 60+ points. XXXX is reporting the accurate credit score. You can see in my attachments that all three bureaus show Accounts ever late : 0, and collections : 0. So where exactly is my deragatory mark??

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called and mailed in a letter to remove inquiries on my trans union credit file. 
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 2022-10-26
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:
In According with the fair credit credit reporting act, XXXX  Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX has been violated my rights. 

15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C 1681 Section 604 Sec 32 : 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 explanation
Consumer complaint received 2018-04-30
Company: Source Receivables Management 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: Account status incorrect

Complaint:
XXXX and XXXX XXXX is reporting derogatory marks on credit reports. On XX/XX/2018 I sent full payment for the balance of my pass due accounts to : Source Receivable Management in the amount of {$380.00} and XXXX XXXX XXXX in the amount of {$110.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: EQUIFAX, 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:
Related to complaint XXXX. Without a signed contract ( even an electronic signature ), a company can not provide a legal basis the account was opened by the person in question. Your office continues to state I opened this account and benefited from this account but have yet to provide even an electronic signature bearing my signature. Note, " When a person opens a fraudulent account, they use another person 's personal verified information but have the account information sent to another address ''. This was the case here! By your own words, you agree with these statements. 

Please note the following : 1. I have never lived at the address in Alabama where the account was opened showing this account was fraudulent when it was opened. This account was opened by a person with the last four XXXX living in Alabama. 

2. The letter regarding {$200.00} was not included for review and signature. Also, after receiving your letter stating I notified your office regarding the account was when I sent your office a letter stating this account was fraudulent and started the dispute process. Further, I have never needed to file for bankruptcy as my current credit card utilization is 11 % out of $ XXXX. IF proven, I would/ could pay this account in full - but your organization refuses to provide documentation. I have worked extremely hard to maintain my credit rating. 

3. The lawfirm is the second to contact me and decline to pursue collection because the information can not be verified by the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Again, you agree you do not have a signed ( even electronic signature ) proving the account was opened by me but another person from Alabama with the last four XXXX. 

4. XXXX and XXXX credit agencies have deleted the information because the account can not be verified in accordance with the FCRA.

5. Your office is in violation of the FCRA. If you could provide ANY signed documentation I opened this account, you would provide it! The bank is intentionally ruining my credit rating with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2023-02-07
Company: WELLS FARGO & COMPANY
State: PA
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:
This is the XXXX  complaint as they keep making it worst. It leaves me no choice but to sue. I have enclosed an email sent them. 

I have received your letter dated XXXX. I have received your requests that you need more time. What I have not received is an answer so let me give it to you. 

Wells Fargo uses XXXX  to spit out policy as in the proof of this letter. Let me explain for those educated under the present system. As a result of a recent review of your XXXX we closed your debit and/or ATM card on XX/XX/2023 to prevent further risk to your account. Properly formatted sentence, sounds good to read, but what are you talking about? Who are you preventing further risk from? The card holder? Is the card holder a criminal who is improperly using and abusing his prevlidges? He must be a criminal as we are giving him XXXX  months in Wells Fargo financial jail. 

I will report this as well and I will now go public with this nonsense that your bank is no longer a viable financial institution trustworthy of maintaining accounts. 

Sincerely, XXXX XXXX XXXX CONFIDENTIALITY NOTICE : The information in this e-mail message is intended to be confidential and solely for the use of the individuals or entities to whom it is addressed above. If you are not an intended recipient, any disclosure or use of this information by you is strictly prohibited. Please notify the sender that you have received this message in error and delete this message. 

Please consider the environment before printing this e-mail.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
THESE INQUIRIES should not be on my report IT HAS CUSED ME TREMENDOUS MALIC WITH TRANSUNION, CAN YOU PLEASE REMOVE ASAP, MY FAMILY IS SUFFERING FROM THESE CONDITIONS

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 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX  XXXX XXXX numerous amounts of times to clear fraudulent accounts off my credit report and have not gotten anywhere. They told me to submit my request directly with the 3 major credit bureaus. I have sent in 3 valid identity theft and police reports and still nothing has been done.

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 2020-05-29
Company: TD BANK US HOLDING COMPANY
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 am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with [ name of business where account was opened ]. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 

[ Provide details about what happened. Include the dates and amounts of fraudulent transactions. ] I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 



Identity Theft Report Included

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I recently pulled my report and verify accounts that should not be reported as late payments since I always make sure that I am paying on time. I demand these accounts be updated and remove the Late Payment notice. Attached below are the accounts I am reporting : XXXXXXXX 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 2023-02-07
Company: PACIFIC WESTERN BANK
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a mortgage on my investment property at XXXX XXXX XXXX in XXXX XXXX on XX/XX/22 The delays by Civic Financial have resulted in numerous delays and have cost me more than {$6000.00} in fees and interest payments to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18
Company: Navient Solutions, LLC.
State: MO
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:
I am in severe default on my loan and want to get back on track. I was told I can not consolidate my loan because it is no longer owned by the US dept. of ed. and is not eligible for loan forgiveness. I am a XXXX in a high needs area and qualify for XXXX which would pay off my loan if I get it out of default. 

They are telling me I can not qualify for this but can not /will not provide me with any information proving this is the case. They are trying to force me into a payment plan that requires 10percent of my disposable income and I am already paying on another loan under the income-based plan and I have an infant at home and can not afford those payments so I have n't gotten it out of default. 

How the US sell my loan and then disqualify me from the programs I was told I was allowed when taking out the loan. They are also hounding me to make a payoff of over 8000 dollars and not taking it seriously when I offer payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When this false debt first appeared on my credit report in XX/XX/2020 I wrote the Company " Southwest Credit Systems '' explaining this was NOT my debt and they have incorrect information. They never responded to my letter, however they continue to illegally and falsely report this debt to my credit report through XXXX  and XXXX. I do not owe Southwest Credit Systems for {$3600.00}. As a result of this false claim it is reflecting horrible on my credit character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: TN
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 ASK THE EQUIFAX TO LOOK INTO THIS BECAUSE THIS IS NOT MY ACCOUNT YET THEY HAVE NOT AND THIS ACCOUNT KEEPS COMING UP WHEN IT BELONGS TO SOME ELSE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
During this Covid-19 crises our XXXX XXXX had to close its doors, we still have not been able to reopen. There is has been so much confusion and misinformation out in the world during this crazy time. I contacted my credit cards and mortgage company letting them know how our family has been affected by this crises. I was told there would not be any late charges or credit reporting during this time. Nordstroms may have been missed in all of this, XXXX of 2020 they gave me a 30 day late, never called me and then in XX/XX/2020 they gave me a 60 day late. They finally called me after the 60 days to inform me they dinged my credit. In all of this we have had to sell our home, lucky we found a buyer quickly but now no lender will give us financing to purchase our new home because of the 60 day late charge. I don't believe this is ethically fair with all that is happening in our country. I have been a loyal customer for 13 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: Supreme Lending
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We closed on a new purchase VA loan with Supreme Lending last week. We had horrible communication ( not answering or returning phone calls for days and not knowing where our loan was in the pipeline ) from the moment after we agreed to use them and paid ( up front and out of pocket ) for the appraisal on. The amazing rates which I was quoted at first disappeared once it was to late to switch to a different lender and went up despite market rates going down. We ended up closing late because the loan officer XXXX XXXX not getting our closing disclosure out on time. She neglected to tell anyone that closing would be delayed by several days ( which could have cost us this home ) until 20 hours before closing was supposed to take place even though she had known for 3 days. This delay cost us hundreds of dollars and we barely got an apology. This was our 5th home loan and the most stressful and decietful loan officers I have dealt with. Avoid XXXX XXXX and Supreme Lending at all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My wife passed away XXXX, XXXX, XXXX. Shortly after, I received a bill from Belk Credit Services. Apparently, unbeknownst to me, my wife had opened an account in my name dating back to XXXX. I have never made a single purchase from Belk and have never even been in a Belk store for that matter. I'm certain if they would take the time to check signatures on the application, purchases, and previous payments, they would concur that none of them are mine. I have contacted them. However, they advised me that I am responsible for the balance. I do not have the means to pay this bill and furthermore I don't feel that I should be held responsible for it. I am XXXX XXXX XXXX and survive on Social Security and a small retirement. 

Can you please advise of options in regards to the matter?

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 2022-10-27
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: Account status incorrect

Complaint:
Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX This is not my ACCOUNT AND IVE SENT IN AN FTC REPORT DISPUTING THIS ITEMS AND NOTHING HAS BEEN RESOLVED PLEASE REMOVE FROM CREDIT FILE Late Payment for XXXX XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX This account is fraudulent and does not belong to me Ive never did business with this place Credit Inquires on XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX is an incorrect address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX is an incorrect address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
At the beginning of XXXX I believe Discover card decided after a customer service call to place my account on review without any reason, no late payments, no return payments, never over credit limit and never paid late. after almost two years they requested tax returns for 2017 which i refused Stating it was intrusive behavior for a {$400.00} credit limit account. Then after closing my account they started the same process with my Husbands account. I truly believe that this is pure and simple discrimination due to the fact that this all started happening right after a conversation I had with a service Representative were I identified my XXXX XXXX. Systematically they attacked me affected my credit and ended a relationship that had zero derogatory issues. I believe the are a company that discriminates

Company response to consumer: Closed with explanation