BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: DE
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 6th 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, DE XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance - XXXX  XXXX XXXX XXXX Balance - XXXX  XXXX XXXX  XXXX XXXX Balance {$36000.00} XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX  XXXX Balance {$46000.00} XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX Inquired on XX/XX/2022 XXXX XXXX  XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 2022

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 2019-12-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX or there about i contacted XXXX  XXXX  to have the electricity turned on, the XXXX  XXXX  rep informed me that she could not start an account without additional id and a trip to XXXX because i had placed a fraud alert on my equifax account..so immediately i contacted equifax via the website, there i could not be identified and was directed to call equifax. I called equifax, the computer that answered first could not verify my identity and referred me to the website, after a time i found out how to get an agent who promptly told me to call back in a few hours, equifax was having trouble with their computers. I tried again later with the same result. A week later on XXXX i called equifax again after being referred to the phone number after trying the website, here service was great and it looked as if some progress was being made, i let them know i wanted to lift a fraud alert, he changed the terminology to credit freeze, flag no 1 ... i have requested neither fraud alert or credit  freeze from equifax, until recently i havent given equifax permission to do anything for or to assist me, so the rep continues to attempt to verify my identity and the last question was about the date of the last activity on my accounts fraud alert/ credit freeze ... .how would i know? I didnt place either, my suspicion is that equifax did after the security breach. So how would i know the date of its last activity. And if equifaxs ' main priority is to protect that account it seems  incredulous to use recent account activity for identification purposes ... i mean really ... i can steal your id, start new account activity and your going to use that activity to identify the rightful owner of the account? So i ask to speak to a supervisor because the rep is asking me to mail in documents that i currently dont have.maybe i should have those documents but i dont and i havent requested anything from equifax and i doubt seriously that my id has been stolen, no one would want to be identified as me i promise.anyway the rep searches for a supervisor for several minutes only to return and say he cant find one ... so my 6th contact with equifax and im still no closer to resolving the issue than i was when i found out about it, and my electricity still isnt on. I dont know what value can be placed on that, or the fact this freeze is most likely why i havent been able to get credit in years, a freeze i did not request, but i intend to find out and seek to recover if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: MD
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 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. 
DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX 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 2022-09-15
Company: EQUIFAX, INC.
State: NY
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00} and XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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:
There's an account that has me as an authorized user that has to be removed immediately. there is also a fraud account from global lending services that is still reporting even after 'I 've sent in all proper documentation because this account was created due to identity theft/fraud. PER 15 USC 1681B I DID NOT AUTHORIZE YOU ALL TO FURNISH THIS INVVALID INFORMATION AND THEREFORE IT MUST BE REMMOVED. I AM NOT ADMITTING OWNERSHIP TO AN ACCOUNT THAT IS NOT MINE. I WILL BE FORCED TO TAL=KE LEGAL ACTION IF THIS MATTER ISNT RESOLVED IMMEDIETLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00} and XXXX XXXX XXXX Date XXXX 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 non-monetary relief
Consumer complaint received 2022-09-15
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received this card earlier in the year and have used it heavily because it gives me airline miles for my purchases. I have never been late on my bill and Ive actually paid off the full statement balance every time I have use the card. And roughly 6 weeks ago I received a letter from Barclays saying that my account was under investigation. They requested a copy of my transcripts from the IRS. Ive had some problems with a previous accountant who had my XXXX and XXXX taxes in complete disarray. It took me some time to get my taxes filed so transcripts would be available. Barclays did not have anybody available to have a conversation or to consult with about this investigation. I called and spoke to somebody three times holding for an hour to an hour and a half each time. Every time I called in they really couldnt tell me anything other than to get the information that the bank was requesting in. I was never even told why my account was being investigated. I protested the cancellation and sent a letter to the Office of the president at Barclays including the transcripts that they requested. I did speak to a very nice lady but she told me that a decision has been made already and there was nothing they could do to reverse it. As a result this shows up negatively on my credit report. I take my credit very seriously and I find it troublesome when negative information has to appear on my credit report even though I lived up to my commitments and paid my bill 100 % on time. They even pulled my credit which has another inquiry on my credit report that I did not authorize. I never ever had a problem paying my bill and I had some huge balances I felt like I was a very good customer and living up to my end of the card holder agreement. Barclays customer service through this process was extremely difficult to deal with with long hold times And once you finally got through nobody could really tell you anything It was like a big secret. What an awful way to treat your customers. I wish I wouldve never applied for this card Had I known this is the way they treat their customers I wouldve avoided this.

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 2023-08-02
Company: Foursight Holding LLC
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX I was contacted by foursight Capital for my car payment and I already had an extension in place and the representative did not explain that I needed to accept it online. So I continued to receive collection calls every other day. 
On XXXX I finally told the new representative that there was no notice on my acct and that my new payment was already over {$1000.00}. This representative was speaking so fast and not listening to anything I was asking and just kept trying to collect a payment and not hear me out on my payment arrangement. I told him I can pay on XXXX when I get paid. He noted it. I get a call on XXXX from a new rep trying to collect a payment. I told him I already spoke to someone and set up a pay date and dont know why they are calling and trying to collect on me. They said a note was to call me today and I told them I left no such note and to check the notes. The rep did and apologized and I flat out told him that no one is following notes and they are violating abusive lending which I am protected by. I asked to speak to upper management or someone in legal and he refused to direct me to someone and told me what are you gon na accomplish with that? At this point I am just appalled at the lack of education on violating protections to consumers and their overall customer service. 
I get a call on XXXX which I assume is my follow up but I am at work and this is at XXXX! 
I get another call again on XXXX since this was my pay date and yet another rep is pressing me to get paid and I asked if he was calling me referring the note to speak with upper management and he said sir I dont deal with that I just need a payment. I told him until I speak to upper management or legal than I wont speak to a serve representative. This representative also stated well sir I am not educated on all that and it sounds like you need a lawyer. I asked him if this was him giving me legal advice and he started backing on his words and the representative was rude and also refused to transfer me to management or someone in legal. He continued to try and collect a payment and not follow my directions and I have also asked to be removed from automatic calls and they stated that can not be done. 
This company refuses to follow any lending laws and refuses to take proper notes and have a severe lack of professionalism and only care about collecting and dont ever want you to be escalated to management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
US Bank Home Mortgage- I was approved through the HAF program for past due payment and 6 months of forward payments. I received my past due XX/XX/2022 and XXXX payment XX/XX/2022. I have not received XXXX payment. The HAF program says they sent XXXX payment and has now sent XXXX payment and US Bank are saying they have received nothing. Please 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 2017-10-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I can not access my credit report via the Experian Dispute website nor can I get a free annual credit report. I have also tried to upload my documents in .PDF that was requested and it wo n't upload.

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 2023-06-06
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:
This is my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Mr. Cooper Group 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: Investigation took more than 30 days

Complaint:
I called the XXXX after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a account NATIONSTAR MORTGAGE on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that this NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 30 days late will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: MD
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX 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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My student loans reappeared on my report years after being removed after the 7 year period after my last payment. I did not receive anything about this and I also gave no consent for my report to be changed nor did I recently consolidate the loan. This has dropped my credit after I worked all these years to build it back up after the initial 7 year period after the student loans went into default. Now theyre trying to impose another 7 years reporting these same loans on my credit report, unknowing to me. Also the last 4 of my social security number is wrong on reports as XXXX when its actually XXXX and this information has come back verified and valid after I filed disputes with the credit bureaus

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 2023-06-05
Company: EQUIFAX, INC.
State: TX
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. 

The letters are stated with items and issues. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: LA
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 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 explanation
Consumer complaint received 2019-12-04
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 status incorrect

Complaint:
I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.

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