BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
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: 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 {$0.00}, {$25000.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 2. XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -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 2023-08-03
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) , the CREDIT 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 explanation
Consumer complaint received 2023-02-04
Company: Bread Financial Holdings, Inc.
State: IL
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:
Since Bread Financial took over Ulta Rewards/Comenity . I have been in Account Fraud trying to get an issue settled for almost a year.

They are sending Me Two statements from Ulta ... one is an OLD XXXX balance card that they reopened n put {$750.00} payments in it that was supposed to go toward my current account. Since then they HAD fixed it back to XXXX ( acct should be closed ) .then it was {$350.00} owed n they sent me a check back for {$350.00} which makes no sense. 
Now? Theyre charging me interest AND fees while they work on it. They are RUINING MY PERFECT CREDIT. 
I can not even pay it off in the interim bc they CAN NOT FIND THIS ACCT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK 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 non-monetary relief
Consumer complaint received 2022-03-04
Company: Credit Karma, LLC
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Credit Karma has frozen my account with my federal income tax refund of {$770.00} i have called them numerous times and provided all documents requested. I need your help in solving this matter. Please contact me if you need any more information. Sincerely, XXXX XXXX Phone Number XXXX and my E-Mail is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX I paid my Apple Card in full {$130.00}. Unfortunately I was in an auto accident That weekend and the rental car company kept my XXXX deposit. I knew the apple payment had not cleared so I called and asked them to not take the payment until XXXX  XX/XX/2022. They agreed. However now my balance is doubled. They said its my banks fault but its not. Back in XXXX I put a hold on the card at my bank due to not realizing what the charge was. It said Goldman Sachs. I didnt realize until this happened that thats why my card wasnt being paid and I took the block off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 been an 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, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I need this resolved 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 explanation
Consumer complaint received 2023-08-03
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:
When I reviewed my credit report, I discovered that these items were 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 that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-03
Company: Freedom Mortgage Company
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I talked to Freedom Mortgage about possible forebearance due to my health issues. Nothing was ever discussed as to what will happen at the end of my forebearance period. I had surgery on XX/XX/XXXX in which I couldn ' t go back to work for at least eight weeks. Freedom Mortgage went ahead and set me up for the forebearance until XX/XX/XXXX. I recieved a letter stating I had a certain time to pay the balance of {$5900.00} or my house could go into foreclosure if I don't call them. I called and spoke to an agent in their " forebearance group '' and had 3 choices. 1st one was pay it up front within 3 months with present monthly payments, 2nd one was payment release where its a loan modification and I start the whole underwriting and refinance to their discretion, or 3rd one was mortgage recovery advance where I pay later. 
My problem is that the agent told me I might lose the interest rate of 2.75 %, that it was totally up to the underwriter. I want to make sure that this doesn't happen as I just refinanced this last year to get the low rate. I also don't want this affecting my credit, because of the no payments for 6 months. I have sent them a {$1000.00} payment for XXXX even though it wasn't posted on my current statement. I had to call and verify it because at this point I don't trust this institution. I shouldn't have late charges either but there is {$120.00} charge on the statement as well. 
I support a family of XXXX and can't lose my home, as I have been very obedient in making payments since I have owned this in XXXX. I don't know where else to trun to get assistance in this situation. 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 2018-02-13
Company: Hospital Services, Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
After receiving a letter of garnishment we asked for copies of all the judgements and original debts. We're told they did not have them and they would not be able to provide them. When asked if we could pay a monthly ammount instead, we were told yes. Filled the paper work out and never contacted again. Then told we will be garnished regardless because we didn't respond. XX/XX/XXXX.was the first letter. XX/XX/ was the second. I was told it didn't matter if me and my child ate as long as the company was paid back. Hospital services inc. Said we did not matter as people, only money sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Federal law requires the three major credit reporting companies to offer consumers free credit freeze services that should block most unsolicited credit inquiries. Experien offers such a credit freeze that seems to comply with the minimum requirements of federal law. However, about a year ago Experien began offering a paid " credit lock '' feature. The credit lock appears to work similarly to a credit freeze, especially at first glance. 

Since the introduction of that " credit lock '' product, visitors to the Experian site who have instituted a credit freeze have been greeted with a message that their accounts are " unlocked '' and that they would have to pay a subscription fee to lock their account. At the same time, Experian has buried links to their " security freeze '' page so that they can not be easily found. The impression is that sellers of financial products as well as criminals have unfettered access to your credit details until you pay Experian a fee. 

Experian should be required to prominently display its mandatory " credit freeze '' options on the home page of its website, including on navigation menus. The site should explain with clarity and specificity that any paid offerings are in addition to what is available to the consumer for free under federal law. While Experian will say that they do provide this information, the problem is that the priority is to encourage customers to purchase services they may not need or want. It is highly likely that the way Experian is presenting this information has caused consumers to pay for credit freeze protection that they are legally entitled to without charge.

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 2023-06-04
Company: Exeter Finance Corp.
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX You are in direct violation of the Fair Credit Reporting Act ( Exeter is the company and account number is XXXX ) 15 U.S.C 1681 section 602 A. Clearly States that 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 my account without written consent.

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

Remove these late payments and update this account immediately as you are in direct violation of several laws under the The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent written notification to Midland Credit Management requesting documentation of any contractual relationship between myself, & Midland Credit Management. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Midland Credit Management, {$760.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: TN
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. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, and correction of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted Fedloan Servicing after noticing that according to my statements, none of my payments have been credited towards the PSLF program. This has been going for about the past 6 months or so. Fedloan Servicing says they have applied payments, despite there being record of doing so.

Also, about three weeks ago I faxed in my PSLF form to renew/verify my employment status does qualify under the PSLF program. However FedLoan Service recently sent me a message that stated my Employment is Not Certified for PSLF.

I've tried logging into my account, however I keep getting an error message that I've been logged out of my account. I've tried resetting the username and password, but I continue to get the same error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 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  15 U.S.C 1681 Section 602 A States I have a right to pivacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting can not furnish a account without my written instruction.

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 2021-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been dealing with identity theft issues for over the past year and had a credit card company removed from my credit report cause of it. Then XXXX of 2020 it comes back on my report with a different company trying to collect the debt. I have tried multiple times to dispute this with them on identity theft but they continue to harass me with bills in the mail to my home and denied my dispute. Now they are attempting to take me to court over this. What can I do?

Company response to consumer: Closed with explanation