BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
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 am a victim of Identity Theft. This began in XX/XX/2015, after my wallet was stolen. Inside my wallet was my Drivers License, Social Security Card and email addresses. I didnt notice this was occurring until recent. I notified TransUnion of FRAUD that has been occurring on my credit report. I show two FRAUDULENT. Accounts that I am requesting to be blocked, as these were opened after my identity was stolen. TransUnion refuses to assist with the fraud, and continues to ignore the Identity Theft Affidavit that I have attached. Transunion is allowing two Fraudulent accounts listed in my Identity theft affidavit to be placed on my credit report knowing these accounts are fraudulent. I did not authorize these accounts to open in XX/XX/2015, Not only do the account credit limits appear incorrectly, Transunion has been notified that these are fraudulent and continue to allow the fraudulent accounts to appear on my credit reports. I did not open these accounts, I never received any credit cards from this institution. When the thief stole my wallet, they stole my social security card, Drivers License, and forwarded my mail. In addition the company has already been notified that I did not authorize these accounts. There are two XXXX XXXX XXXX XXXX accounts that Transunion knowingly allows. These accounts are fraudulent and are listed as such on my Identity theft affidavit which is a legal document I am attaching below again. I am requesting these accounts be blocked immediately as I never signed anything for this institution. Nor did I ever receive any information on these accounts. When I called the credit union, the agent advised me these had been opened at an address listed XXXX XXXX XXXX, and XXXX XXXX XXXX. Neither of these addresses are mine, nor did I ever live there. Since then the credit union, has verbally harassed me and threatened to show up at my door. These accounts are not mine these were opened as a result of Identity Theft, PER THE FCRA Law. I am reporting this crime to you, along with a Law Enforcement affidavit. Please block the Inquiries listed on the Affidavit along with these two XXXX XXXX  accounts. That I did not authorize. This is not a dispute. This is a statement that I am a VICTIM OF IDENTITY THEFT. Therefore please follow the proper laws in blocking the accounts that have been opened fraudulently.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
To whom it may concern these hard inquiries in my credit file are from unauthorized use of my social security number. I did not authorize these hard inquiries to be made on my report nor they relate to anything Ive did. Im unaware of any of this. Please REMOVE these unauthorized inquiries from my information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. 

Unauthorized Inquiries : XXXX XXXX Inquiry XXXX : XX/XX/2023 I did not authorize this inquiry nor do I have any knowledge of it. Please remove ASAP XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 I did not authorize this inquiry nor do I have any knowledge of it. Please remove 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 non-monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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 accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 6 o 2 states I have the right to privacy.15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an HSBC Choice Checking account in XX/XX/2018. According to the terms for the account, HSBC is required to pay me a welcome bonus of {$200.00} after I keep a minimum balance of {$1500.00} for 90 days starting within 30 from account opening. Even though I did meet this criterion, HSBC has not credited my account with the welcome bonus. 

Upon inquiry, I was told ( via chat ) that I do not qualify for the bonus due to having had a " banking relationship '' with HSBC during the year before the checking account was opened. 

However, according to the terms for the account, only a prior " HSBC consumer deposit or investment account '' would disqualify me. I have never had such an account before the one on question. If HSBC claims that I had a prior " banking relationship '' with HSBC, this can only refer to my HSBC credit card, which I do indeed have. But a credit card is not a consumer deposit or investment account. 

I tried repeatedly to get HSBC to substantiate its claims that I had a disqualifying consumer deposit or investment account. They never did. My last inquiry via XXXX was never answered, and the last time I tried to get a chat representative to resolve this, he " hung up '' on me. 

I am attaching screenshots of the only two responses that I did receive via XXXX. The most recent response promises a follow-up with specifics on the disqualifying account, but the follow-up never came.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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: Information belongs to someone else

Complaint:
As of today XX/XX/2022, Experian has notified that my disputes were completed on XX/XX/2022. However, they have not closed out my case. I am yet again filing a complaint due to the erroneous items they are still furnishing on my consumer report. I am demanding methods of verification utilized for the accounts that remain on my consumer report. I will like to remind the company that they must follow the law/ FCRA that has been administered to them. It is also my RIGHT as the consumer whom has been treated with great negligence to know : the method of verification, the name and contact of the person that they have spoken with, what documentation that was provided and did it include MY signature, and if the company provided my name, ssn, and dob. 

Please take this as the final opportunity to cure.

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 2021-04-07
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Filed 3 separate XXXX XXXX disputes in which nothing happen. The remarks that were left were dispute solved, customer disagrees and nothing happens. A few days after the disputes I get hit with derogatory remarks. I have mailed this company information in which I was trying to validate this debt and their response was they needed more of my information to validate, which to me seemed unprofessional and sketchy. The information that was given was that of an apartment contract that had multiple pages, at least 15 pages at the minimum. I only received 3 pages in which they are trying to make their claim and the pages that were sent, still dont show I owe nor did I sign in any contract to be charged once I moved out of the property. There also wasnt a charge for leaving it me leaving anything inside the apartment on the original contract ( lease ). Below you will see that the lease was fulfilled. I was being charged for items on a list that wasnt on the contract that I signed for in the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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 information incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate credit information. 

Account : XXXX XXXX XXXX Late Payment : XX/XX/2022, XX/XX/2022 {$520.00} The account payments were deferred and no payments were due at the time. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 


Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2023-07-05
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I fell behind on my home payments to Loancare and contacted them to resolve the issue in late XX/XX/2022. I was concerned because I submitted a check for 2 months payment and it was rejected and returned to me and they advised I needed to submit all late payments in XXXX lump sum, which was XXXX moths at the time. After it was determined that i could not come up with the whole amount i reached out and inquired on assistance to resolve the issue. They advised me to file for forbearance. On XXXX I provided documents and the application they requested. Then in XXXX I inquired weekly on the stauts and was advised to wait the full XXXX to XXXX weeks and they would reach out if any more documents were needed. At the XXXX week mark, I inquired again and they advise to continue to wait, after I advised several times that it was already XXXX weeks waiting the representative advised since no update was done on my file they would refile my application again, but advised not to worry that i would not be foreclosed on. Then mid XXXX, I spoke with a Representative that advised since I was not getting any traction with my application to file for Covid relief since she determined I qualified. I submitted my document and application again before thanksgiving and was assured I was not going to be foreclosed on. XXXX XXXX I started to get letters from a lawyer that I was being foreclosed on. When I contacted Loancare they advised there was no updated on my application but not to worry because the rep then gave me here direct number to contact to ensure my application was getting updates. I finally was advised they processed my covid relief on XX/XX/XXXX which I completed and returned the document the same day I received them. Loancare then advised to ignore the foreclosure letters as they had the documents they needed. Shortly after multiple people began to come to my house and knock XXXX asking for me to sell my property as the public records showed my house to be auction in mid XXXX. After the lawyers rescinded the foreclosure auction. I have been current on my payments since XXXX, even though my mortgage jumped up to XXXX from XXXX due to taxes and escrow. I am now trying to sell my house as I have accepted a better job XXXX hours away but can not get an approval due to missing payment for XXXX  months after loancare continued to " loose '' my application multiple times. 

Please assist in anyway possible, thank you for your time.

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 2019-03-12
Company: Social Finance, Inc.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a fixed interest rate term student loan. It was originally a federal student loan, which was refinanced with SOFI. I paid more than double my required monthly payment amount, thinking this would result in a " paid ahead '' status where my next payment due date would be advanced into the future. However, after logging into my account and calling customer service, I learned that SOFI does not ever advance payment due dates. They still want a full loan payment next month. I do not think this misleading practice was adequately disclosed, and it is used to lure people into refinancing their federal loans. Prior to refinancing, my federal loans offered this feature, and my loan was always paid ahead by several months, if not years.

SOFI reserves the right to " reamortize '' a loan which is paid ahead, so that the payment term stays the same, albeit with reduced monthly payment amounts, but refuses to give borrowers the benefit of a " paid ahead '' status. They justify this by claiming the reamortization is to avoid a balloon payment at the end of the note. However, if the loan is paid ahead, there is no way there could possibly be a balloon at the end of the term. It is mathematically impossible. This claim is made on their website at : https : //www.sofi.com/faq/ under " Will making a large payment or additional payments change my monthly due amount? '' Paid ahead status is useful for building a " cushion '' so that you can skip a monthly loan payment, and use your income for an unexpected expense. Without it, many borrowers will run into unexpected cash flow issues, which could easily be avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2019-06-11
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, I purchased a course valued at {$190.00} on XX/XX/2019 with my citibank double cash back credit card. I had automatic payments set to be executed on the XX/XX/XXXXof every month. The bill was due the 10th of every month. Unfortunately, the auto pay failed to execute and I had to manually pay the bill today XX/XX/2019, which was one day late. This mistake in the auto pay system decreased my XXXX score by XXXX points to XXXX and my XXXX score by XXXX points to XXXX. After I saw my score, I immediately changed the auto pay date to the XX/XX/XXXXt of every month. 

I called citibank, but they did not know how to deal with the problem. They told me that my auto pay plan did pay it on time, but I saw no statement update to prove this. I have provided pictures of my credit score, credit statement, and auto pay plan.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: NJ
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Closed 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 XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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
Consumer complaint received 2021-07-09
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This company is in violation and performing an infringement upon a consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Advanced Resolution Services Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Sent ARS ( advanced resolution services ) a request for a security freeze and a consumer credit report, i sent it a letter via certified mail usps # XXXX nearly a month after my request they have yet to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from an unknown number stating that a certified letter was going to be delivered to me on XX/XX/XXXX between XXXX and XXXX XXXX. I was instructed to call XXXX and refer a reference number to prevent any further action. I called the number and was told that Wells Fargo, previously known as XXXX XXXX is filing a law suit against me for a debt that I owe on a checking account. My checking account was closed with that bank 15 years ago. I attempted to call the bank but without the account number, I did not get anywhere.

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 2018-12-14
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: Account information incorrect

Complaint:
On XX/XX/XXXX I received a credit report from XXXX XXXX XXXX that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/XXXX I sent a follow up letter requesting debit validation to the address above I still have not received a response. On XX/XX/XXXX I sent a dispute letter to both credit reporting agencies asking for validation of debit, in XX/XX/XXXX both credit reporting agencies responded validating the debit. Still havent received a response then I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX. XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.

Company response to consumer: Closed with non-monetary relief