BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX/XXXX  XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX not my address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: EQUIFAX, 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:
The credit bureaus are reporting erroneous information on my credit file and i've been fighting with them for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: DISCOVER BANK
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received an affidavit notarized from XXXX, Ohio. I live in Tennessee. The affidavit claims a litigation specialist working for XXXX XXXX XXXX has full access to the USA Department of XXXX XXXX XXXX XXXX. I have a copied document with incomplete information regarding myself. The document has the last four digits of my social security number, birthdate, and certificate ID. The document is digitally signed by the director of Department of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. According to the Tennessee Secretary of State website : XXXX XXXX XXXX is a Tennessee XXXX XXXX XXXX XXXX and its registered agent is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Does the Department of XXXX allow others to impersonate a Director of  XXXX XXXX XXXX XXXX XXXX XXXX. I have never served in the military. When I applied for my Discover Card I fully checked the box that Im a civilian. The document I explained above was used by XXXX XXXX XXXX to ascertain whether I was in the military and used in a sworn statement, notarized in Ohio, and used to summons me to court. Tennessee law requires an affidavit to proceed in collections servicing. XXXX XXXX XXXX impersonation of a XXXX XXXX XXXX is absolutely amazing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I show three derogatory accounts with the credit bureaus and I'm puzzled as in how this would occur. I have been XXXX  for 10 years, which would be 2009. It is impossible for me to have done this. This is not at all fair to me and needs to be removed indefinitely

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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: Account status incorrect

Complaint:
XX/XX/2020 Creditor reported my loan account was closed. 39 point drop in credit. 

XX/XX/2020 account was set back to open but my balance was changed. They changed my opening balance to {$23000.00} and set loan balance to {$19000.00}. 
It resulted another decrease in credit. 

XX/XX/XXXX, the creditor changed my payment history from 75 % to 33 % this resulted in another decrease in score. This was wrong. 

XX/XX/XXXX, they reported my vehicle was repossessed for the month of XXXX. My vehicle was never repossessed. 

XX/XX/XXXX, they reported my account was closed again and my credit dropped 9 points. 

Ive filed formal disputes and contacted them directly. They continue to do this which has resulted in over 60 points being dedicated from my credit.

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 2020-12-03
Company: BARCLAYS BANK DELAWARE
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:
In XXXX of 2017 an annual fee of {$40.00} was posted to my account Barclays Jet Blue account ( credit limit {$8000.00} XXXX. I was not using the card and did not receive any notification that a balance was due. I logged into Barclays to review a different account balance XXXX XXXX XXXX ) and noticed that there was a late payment being reported for the Jet Blue account. I contacted Barclays regarding my Jet Blue credit account balance when I realized that there was a late payment due. During the call the representative refunded the past due balance and advised that the late credit reporting would be reversed to show no late payments. This was done because I did not receive any statement notifying that there was in fact a balance due on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
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:
XXXX XXXX XXXX CCOUNT DETAILS Account Name - Account # XXXX Original Creditor - Company Sold - Account Type COLLECTION Date Opened XX/XX/2020 Account Status! - Payment Status Unpaid Status Updated XX/XX/2020 Balance {$1900.00} Balance Updated - Original Balance {$1900.00} Monthly Payment XXXX  and Transunion put this on my report 3 times now just changed the name. 
law does not permit this without notifying me first within 5 business btw FTC violations sent the police report and ftc

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX not my address

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 2016-12-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
ILLEGAL FORECLOSURE AUCTION SALE against our home by Nationstar 's very own XXXX auction two days from now. ( XXXX by XXXX, wholly owned by Nationstar Mortgage LLC . XXXX is formerly XXXX. ). 
PLEASE SEE ATTACHED. Exhibits to follow by Fax. DEFECTIVE NOTICE of TRUSTEE SALE - LENDER is NOT IDENTIFIED, is supported by DEFECTIVE Notice of Default - please see CFPB case files # XXXX and XXXX for exhibit on Defective Notice of Default. THANK YOU for your URGENT INVESTIGATION and ENFORCEMENT action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX {$170.00} XXXX  BXXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$740.00} written off. 

XXXX XXXX  XXXX XXXX XXXX {$3000.00} XXXX XXXX  XXXX  XXXX  XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX  XXXX {$47.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- -- ALL THESE PHONE # ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL THESE ADDRESSES LISTED AND THESE ACCOUNTS LISTED ABOVE ARE NOT MINE ^^^

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
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:
On Tuesday, XX/XX/XXXX I mailed my XX/XX/XXXX payment via Standard delivery. The payment was not credited to my mortgage account until Thursday XX/XX/XXXX, 9 business days after it was mailed. As a result, PennyMac is reporting my Mortgage account as 30 days late for the XX/XX/XXXX payment. Per the United States Postal Service website, average time for First Class and Standard delivery is 1-3 days. I have spoken to a PennyMac representative several times - onc e in XX/XX/XXXX and several times in XX/XX/XXXX, disputing their reporting of my mortgage account. They refuse to take responsibility for the delay in posting my payment, and continue to place the blame on the United States Postal Service for the delay. I have never been reported as late on my payment, and have previously mailed my payment the last week of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}, {$2100.00}, {$4300.00}, {$5500.00}, {$25000.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 


-- STUDENT ACCOUNTS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.

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 2020-12-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experians web site posts your FICO score as one value but provides a different, lower value to lenders. Their explanation is that the posted value is a CONSUMER score, not a FICO, however their website specifically says FICO score. So, believing I had a qualified score, I applied for a VA refi with XXXX, only to be told my " FICO '' score provided by Experian was almost 50 points lower but offered a refi at a rate higher than for which I believe I would have qualified. This smells of a bait and switch scam between Experian and the lending industry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
TransUnion is reporting hard inquiries on my credit profile with no permissible purpose. U.S. Code 1681b- Permissible purpose of consumer reports. Transunion failed to provide Permissible Purpose within 30 days to complete their investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Also per FCRA 623 ( a ) ( 5 ), If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the original letters sent to Transunion more than 30 days ago with proof. 
Hard inquiries should be removed based on the FCRA violations.

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 2023-01-26
Company: WELLS FARGO & COMPANY
State: VA
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:
Well Fargo keep charging me fees

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 2020-12-03
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: Personal information incorrect

Complaint:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL

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 2020-12-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Went to deposit money in the ATM machine. As soon as I inputted my cash into the slot it produced an error ( took photo ). The machine said to call the number and it would print out a receipt to this. Machine did not put out a receipt nor could I get a hold of anyone related to this matter during this time. Finally spoke to someone in tech support so informed me they couldn't do anything and I would need to call the card department in the morning. Called and was told the money would appear in my account 12 hours from now ( Reference number : XXXX ). Money has yet to appear in my account. I have bills to pay so these is causing a financial burden on me and bank is not crediting me for the money i deposited. Bank has unjustly enriched themselves and continues to operate the same faulty ATM machine. This machine is located inside their branch so there are cameras to prove this traction. I also took a picture of this error as to shoe the error and the exact, time, and location this error occurred to prove this money was deposited. The bank knowing this information to be true continues to pray on people. 
Once this occurred. I contacted bank first thing is the morning. Bank promised to put funds within 12 hours in my account. It has been over 36 hours now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and XXXX! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  XXXX financed a loan for my purchase Payment for XX/XX/XXXX due and paid and check cashed by XXXX XXXX XXXX Notice of assignment or Transfer of service dated XX/XX/XXXX for XX/XX/XXXX payment to be paid to : XXXX XXXX Payment due on XX/XX/XXXX mailed payment XX/XX/XXXX for XX/XX/XXXX payment, then payment cashed Received letter after I mailed payment that Notice of service transfer dated XX/XX/XXXX to NewRez all payments on or after XXXX XX/XX/XXXX go to NewRez I contacted NewRez that XXXX payment was cashed by XXXX XXXX I faxed and e mailed and regular mailed both bank copies of cashed Mortgage payments One for XXXX One for XXXX to : NewRez, Received statement I owe for XXXX from NewRez NewRes never replied and upon calling Shellpoint Mortgage Servicing the New Rez latest new department to talk to about my payment I still owe for XXXX and they received my documentations of payment but have 60 days to reply? 

So my question is why did XXXX XXXX XXXX  turn me over to XXXX when it was going bankrupt and further more why did XXXX take my mortgage when it knew it was going bankrupted and cash my check? and why doesn't NewRez respond and acknowledge my payments to XXXX? Is'nt this bad customer service? 
Why should I be tossed around three times within getting a new loan just assigned in XX/XX/XXXX? I am XXXX I just relocated to a new town and had a XXXX XXXX and this is stressful

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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:
See Attached Documents. Attached will be a Picture of on ID and Social Security Card Utility Bill. It will also have an attached FTC Identity Theft Report as well as Dispute letters with account information that needs to be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
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:
After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was car jacked in XXXX on my way to XXXX, XXXX to start a new job with the State of XXXXonXX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/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