BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. My personal information was stolen and were opened XXXX fraudulent accounts under my name. They are : XXXX XXXX XXXX ( account no : XXXX and XXXX XXXX Bank ( account no : XXXX ). I filed a police report at XXXX XXXX Police Department on XXXX XXXX, 2016 ( Report No : XXXX ) and submitted this identity theft report to the credit reporting agencies and the banks. The credit reporting agencies blocked and removed these XXXX fraudulent accounts. But recently, Experian credit reporting agency reinserted XXXX XXXX XXXX and XXXX XXXX Bank accounts back to my credit report. I called to Experian but Experian credit reporting agency denied my dispute explaining that they could not block again reinserted fraudulent account. Please help me to resolve this problem and remove this XXXX fraudulent accounts from my credit report.

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 2023-08-10
Company: Experian Information Solutions 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  XXXX, XXXX ; XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor :  XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$8700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX 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
Consumer complaint received 2021-12-08
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: Account information incorrect

Complaint:
For the past several months I have been trying to resolve this issue with Equifax XXXX XXXX XXXX XXXX '' with no success. This issue is causing financial and emotional stress and needs to be corrected asap! Negligence of this final complaint will force me to pursue legal action as I have been trying to resolve this for almost half a year now. I came to a settle in full agreement with XXXX XXXX on XX/XX/2021. Attached is the settlement in full letter I got from XXXX. XXXX is still reporting a balance owed. Due to the clear and obvious error on XXXX XXXX end of not properly reporting a zero balance, the only way to make things right is by deleting this account entirely from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: AL
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:
Defamation of Character

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 2023-03-28
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
Fraudulent applications may have been submitted in my name by two companies and may have been used to apply for credit or purchases without my consent. I have contacted in XX/XX/2022 XXXX XXXX XXXX XXXX and the representative claimed there is no record of me with any account or application for credit. I also contacted Syncb/Amazon XXXX XXXX XXXX and the representative stated she could find no record and would resolve the matter and report to have the inquiry removed. I have not heard from any of the companies and my credit report still reflect these inquiries. Finally, I submitted a fraud report to XXXX and was instructed to file a report with FTC.gov and was directed to CFPB.

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 2015-11-09
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXXRe : Equifax Credit Report of XXXX XXXX XXXX, XXXXI need your help to increase my credit score to where it rightfully should be so that I can qualify for better interest-rate terms. Currently, the credit reporting agencies are inaccurately reporting on my mortgage debt. I believe this adversely affects XXXX consumers ' credit scores ; and by design or not, greatly benefits the financial industry by their being able to justify charging consumers higher interest rates on consumer debt. 
Since XX/XX/XXXX I paid my mortgage on time. But the credit reporting agencies do not reflect reality. In fact, there is no history of me even having a mortgage prior to XX/XX/XXXX. This is inaccurate by omission. 
Paying one 's mortgage on-time for 15+ years is one of the best things to do to increase one 's credit score to qualify for record-low interest rates. 
My Equifax credit report does not show or give me credit for 15-plus years of paying my mortgage on time. Instead the only mention of my mortgage is a two-month period from one mortgage-service company in XX/XX/XXXX. And another 2-year period of on-time payments from another mortgage service company from XX/XX/XXXX-XX/XX/XXXX. That 's it. 
To remedy this error that has already cost me tens of thousands of dollars in higher interest rates and will continue to cost me in higher interest rates until this is corrected, I want the credit reporting agencies to report that I have paid my mortgage on time since XX/XX/XXXX. 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: AZ
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2023-03-01
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company has constantly reached out to me after I sent several letters, reached out to the FTC and also called and emailed them directly. I have submitted the letter that I have sent to this agency and the next step is to reach out to the attorney general office is this matter is not resolved. 

I have also submitted the tracking information for a letter that I sent out today asking them to not contact me since they can not prove that the debt is mine. Their practices are extreme as well as not warrant because I do not owe this debt. I have also let them know I am conversing with XXXX XXXX directly and I do not want further contact with this agency. 

I will also be submitting a letter to the collection agency today and I would also like for the FTC to forward the letter that I Lastly, I attached the tracking information for the certified mail that I sent today so that they can acknowledge that the letter and stop disregarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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 with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account 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. XXXX 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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have written all 3 credit bureaus several times and disputed two bankruptcy filings that show on my consumer report. Furthermore, It has been more than 30 days for the bureaus to respond and delete this from my report. Finally, I have written to the United States Bankruptcy court myself to find out why they were reporting these bankruptcy filings as mine. The court issued the attached letter which clearly shows that neither of the credit bureaus contacted or verified anything! I humbly request your department to look into this matter and FORCE the credit bureau to follow along and not further escalate this matter by depriving me of all the protections given to me with the Fair Credit Reporting Act. Thank you.

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 2017-01-21
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint a few months ago. I filed a complaint that my mortgage company did not pay my taxes in the escrow account. They did finally pay this tax, but one year later. They proceeded to charge my escrow account all the fees that were charged with paying the property tax a year late. My mortgage company Should have payed the extra fees because it was their error. I received a letter from them with a phone number that no one answered and I also called them and they would not help me. They simply said they paid the balence of the tax and charged my escrow and did not admit to any fault in paying the tax one year late and the XXXX of dollars that where extra fees from paying this late. Can you look into this again. I would like to get the fee money back and put into my escrow account or refunded to me and I want them to do this right this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX XXXX Account # 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

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 2022-03-30
Company: Colony Brands, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Seventh Avenue has been sending us billing statements with a reference number, but no product description, stating a payment of {$170.00} was due ( now increased due to late fees ). We initially ignored these statements because, after doing research, it appears this company is an old school phishing scam to get our personal information. We are now receiving statements stating they will send our information to professional collection agency. We had never heard of this company before, nor have we ever purchased anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
STUDENT LOANS ARE CONSOLIDATED AND IN THE IBR REPAYMENT PLAN. HOWEVER WHEN THEY FIGURE YOUR ANNUAL PAYMENT RATE THEY DO NOT TAKE IN TO CONSIDERATION COST OF LIVING OR OTHER BILLS ONE HAS TO PAY. THEY ONLY FIGURE A FLAT PERCENTAGE BASED ON YOUR GROSS INCOME. NOT NET AND WHAT YOUR EXPENSES ARE. ALSO ON MUCH MORE CONCERNING LEVEL, ALL OF MY EX HUSBANDS STUDENT LOANS AND ALL OF MINE ARE CONSOLIDATED UNDER ONE SSN, MINE! SO NOW THAT WE ARE DIVORCED WE CAN NOT SPLIT THESE BACK OUT. SO I'M STUCK WITH OVER $ 300K IN DEBT. HE CAN BUY HOUSES, CARS, ETC ETC, BUT I CAN'T. 
PLUS I CAN'T USE MY VA HOME LOAN UNLESS I'M MARRIED. XXXX?! 
AND IF I WERE TO MARRY THEN MY STUDENT LOAN REPAYMENT AMOUNT DOUBLES! SO I CAN'T USE MY VA HOME LOAN UNLESS I MARRY, BUT IF I DO THEN STUDENT LOAN PAYMENT DOUBLES. I AM SO SCREWED. I'VE WRITTEN TO MY CONGRESSMAN - XXXX XXXX AND HE COULDN'T DO A THING TO HELP. OR RATHER WOULDN'T.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: OH
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 is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2021-12-08
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My son 's computer was somehow used, on XXXX XX/XX/2021, to hack into my PayPal account and purchase two gift cards for {$55.00} and {$56.00}. The companies that the gift cards were through were : XXXX ( {$56.00} ) and XXXX ( {$55.00} ). In addition, they purchased {$100.00} of Bitcoin ( BTC ). The gift cards equaled the amount that was in my PayPal account and the Bitcoin was purchased with my linked bank account XXXX. XXXX was able to give my money back because they believed it was a fraud. PayPal, on the other hand, did not reimburse me saying, " The case was closed as this transaction is ineligible for PayPal Purchase Protection. '' I have spoken with PayPal several times on the phone and filed four claims for the gift cards purchased under my son 's name ( XXXX ) that I have never received, but have been denied reimbursement all four times. I have contacted my insurance company, XXXX XXXX XXXX, and they have been helping me try to recover my money. The agent 's name that is assisting me is XXXX XXXX and her email is XXXX. XXXX also put in a claim through XXXX and it was denied because they saw no fraud. I also submitted a police report through my local sheriff 's department and filed an IC3 complaint through the federal government. Furthermore, the criminals who hacked my PayPal account changed my SSN and my Password. I was able to change the password and put my original SSN back in. What makes this even more obviously a fraud case is that I have never purchased Bitcoin or gift cards from these companies or ever for that matter. Additionally, the Bitcoin was purchased at XXXX XXXX  my time. I was asleep at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. They are harassing me constantly and causing me stress, because of these reporting I have been denied of Mortgage loans and high interest rates on Automobile loan. 


15 U.S.C 1681 Section 602 A. 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 an 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 2022-07-15
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account 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. XXXX XXXX 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 2016-09-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a tax lien on my credit report with XXXX XXXX XXXX, docket XXXX for a federal tax lien in the amount of {$21000.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to IRS to get this federal tax lien verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I have not received XXXX document that shows this account is owed bearing my name, address, birth date, social security number, or anything with my signature on it. I was even told by the court house that they do not report to the credit bureaus so how can this be reported?

Company response to consumer: Closed with explanation