BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: Southwest Credit Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Southwest Credit Systems is attempting to collect a debt that has been paid directly to XXXX and will not remove items from the the three credit bureaus. The representative stated that they have a " no deletion policy ''. When I asked her to provide me with that policy in writing that she quoted, she stated that they don't have a policy to send me, she was just trained to say that Southwest Credit systems has a no deletion policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX CA,XXXX-XXXX  ; XXXX XXXX XXXX  XXXX CA,XXXXXXXX  XXXX XXXX XXXX XXXX  XXXX CA,XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX CA,XXXX  ; XXXX XXXX  XXXX XXXX Balance : - ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  XXXX  Inquiry : XXXX XXXX, 2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-05-24
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Santander checking account with their {$220.00} bonus offer  (  promotion code  XXXX  ). I met the direct deposit requirements and have not received my promotional bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also, there are credit inquiries on my report that I dont recognize.

These inaccuracies are stopping me from getting a house and a car for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} or XXXX XXXX or XXXX XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-11
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, RI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX : {$5400.00}

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 2022-10-11
Company: Experian Information Solutions Inc.
State: NJ
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX BANK XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}, If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2019-03-13
Company: CITIBANK, N.A.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi I transferred from Citibank {$100000.00} on the XX/XX/XXXX using a  stored procedure I have used 3-4 times before to send money to my bank in XXXX. The was a minor error in the account number which existed for the previous transfers that I was never advised about before and never delayed the transfer. The error in the account number pointed to a different back in XXXX even though I clearly told Citibank which bank it did go to. I found out from my XXXX bank after he checked the info. I told Citibank every day for 3 weeks but they refused to listen. The funds are still not in my account. This is an incredible disaster causing me ill health, as I can't sleep I want my money and compensation. Can you 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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This situation is hindering me for getting approved for apartments.

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 2018-07-26
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Clients received a loan modification. Due to error in dating by servicer client was delayed in signing agreement. Once documents were signed and delivered client received multiple payment amounts. Client received payments back in XX/XX/XXXX unaware that they were back in foreclosure proceedings. Clients have been trying to resolve issue since XX/XX/2017.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Nation Star has yet to properly respond to our past inquiries. We have tried to reach out to Nation Star over the past year. They refuse to speak to us. We want a legal and valid reason as to why they would lower our credit limit on our fixed conventional loan, with out our knowledge or consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: MoneyLion Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I recently noticed that numerous ACH transfers have been made from my XXXX  banking account to a Moneylion account in the form of XXXXXXXX XXXX XXXX  Membership, etc even though I have never opened an account with Moneylion nor have I done any business transaction with them. 

I reached out via phone but the Moneylion 's consumer support line does not provide / or makes it extremely difficult for non-customers to reach a support team to report a possible fraud and/or identity theft.

The amount of financial damage is significant and I want Moneylion to not only promptly resolve this issue by closing down this account and reversing the fraudulent transfers, I want an explanation of the company 's practice of opening new accounts without an explicit consent and solicitation from a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: VA
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 obtained a loan for consolidation. According to XXXX XXXX I defaulted on my loan ( My history does not show a default and is attatched I never received notification of any default aside from the warrant in debt ) my loan is secured with a car shown in contract. As a remedy for the alleged default XXXX XXXX issued a warrant and debt for the full balance. ( again because I did not have an actual missed payment ), XXXX continued the warrant in debt out from XX/XX/2021 until XX/XX/2021 stating even though my account was in default they wanted to be sure I made one time payments in XXXX the case was dismissed. During this time I contacted the office several times to inquire about why my account was referred to court and was told in order to get my account out of court my only remedy was to re-borrow and close out my current loan or repay the full loan. Since this time my credit report has been coded as a collections account under legal remedy and closed causing denial for rental homes. Attatched is the account status displayed to me which shows Active there is no indication of default or collections. I only knew of the case still being continued in court because I called once I received a copy of my credit report. Myself and my XXXX children will be homeless due to this companies antics to force me to re-borrow or pay in full. Please help me this company is deceptive. I never received any notices of default other than a warrant in debt for the full balance which i was told by XXXX XXXX would be dismissed because I didn't owe a monthly balance and my account is current all the records I have supplied are downloaded straight from their website. This company is abusing the Credit bureaus and legal system and must be stopped!

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 2021-05-06
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:
NEED HELP REMOVONG SOME INCORRECT INFORMATION FROM MY REPORTS. I HAVE YET TO RECEIVED ANY RESPONSE FROM ANY BUREUAS I HAVE 3 TRACKING NUMBERS FROM THE MAIL I SENT THEM. THESE TRACKING NUMBER ARE FROM THE SECOND ATTEMPT IVE TRIED MAKING. 

XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX TU : 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 2023-02-23
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I requested to move out of XXXXXXXX XXXX XXXX XXXX  XXXX, which was approved by management I believe her name was XXXX. I feared for my life there someone walked into my apartment at XXXX he said his name was XXXX from maintenance and he had the wrong apartment. At the end of XX/XX/XXXX there were over 100 cars that had been broken into in the garage attached to my apartment complex. In XX/XX/XXXX was a shooting in the building and there was someone hiding out in my apartment building for hours, I didnt know the extent of the shooting that I heard in the building until XX/XX/XXXX from another resident. There was knocking on my door and turning the doorknob on multiple occasions. Several homeless people in the building, sleeping in urinating in the elevator and asking for money. I have paid everything in full and my move out ledger shows that I am owed {$39.00}. 
I reported all incidents to the management office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was part of the Experian Hack That leaked people 's information can you tell me that I was part of that effect liable for compensation but my credit has been compromised.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX mortgage loan was issued on XXXX loan on XX/XX/XXXX for amount XXXX and on XX/XX/XXXX my loan trasfered to Nationstar mortgage now my balance is {$580000.00} and when I ask the customer service how my mortgage balance increased by {$120000.00} they said since its transferred from XXXX XXXX they have no idea and I would like the consumer protection bureau to investigate the matter

Company response to consumer: Closed with explanation