BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 several 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2018-03-15
Company: Santander Consumer USA Holdings Inc.
State: OH
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:
I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. 
XXXX XXXX  XXXX XX/XX/2017 SANTANDER CONSUMER USA XX/XX/2017 XXXX   XXXX XXXX  XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 I called each company and they all asked was I trying to purchase a car and I already have a car and they had me under another name but my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had a judgment on my account from XXXX XXXX XXXX that was removed because of the insufficient identifying information that is required for the account to be reported on my credit report per the new law change effective XXXX XXXX, 2017. They had this judgment twice on my credit report. As a judgment AND an account ( in which it was only a judgment ). This judgment that is currently being reported improperly needs to be removed immediately off my 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 explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: NY
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:
On my XXXX XXXX XXXX XXXX XXXX it is reporting as delinquent when I have never missed a payment and all my payments have been on time. Under all 3 bureaus account # XXXX it is reporting that in 2021 XXXX, XXXX, XXXX, and XXXX respectively I have had 30 day, 60 day, 90 day, and 120 day late payments when this is not true and is 100 % inaccurate. I have been current and up to date on my credit card as it is only a {$500.00} limit and due to this discrepancy it is severely affecting my credit where I am trying to go for an apartment and I can not get approved for anything due to these disastrous days late that are severely affecting my credit. I need this fixed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On my XXXX XXXXXXXX XXXX USA N it is reporting as delinquent when I have never missed a payment and all my payments have been on time. Under all XXXX bureaus account # XXXX it is reporting that in 2021 XXXX, XXXX, XXXX, and XXXX respectively I have had 30 day, 60 day, 90 day, and 120 day late payments when this is not true and is 100 % inaccurate. I have been current and up to date on my credit card as it is only a {$500.00} limit and due to this discrepancy it is severely affecting my credit where I am trying to go for an apartment and I can not get approved for anything due to these disastrous days late that are severely affecting my credit. I need this fixed 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 non-monetary relief
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I submitted a complaint to both equifax and XXXX about fraud account inquires in my credit report i even submitted a police report showing ive been dealing with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Statebridge Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2012 Statebridge did a loan modification on our mortgage, we were made to understand that we will get relief for the rest of the loan term and our loan term was extended to, unknown to us, they had indicated that the loan will rest to original note after 60 months. Now the original loan was a construction loan through k bank at an interest rate of 5.95 %, after the payment started, we reached out to XXXX XXXX and the rate was reduced to 4.9 % for the rest of the 30yr term, we had trouble making payments and Statebridge modified the loan, however upon selling the loan to other servicer, Statebridge and indicated the loan to be reset to 5.95 % instead of the 4.93 %, please refer to the modification doc and review your existing term and the new term on the last page of the modification. XXXX XXXX had sold the loan to XXXX at rates of 4.93 % and the same was sold to you, why did you revert to the 5.95 % of the construction loan. Now what was meant to be a relief is now a burden, we got a relief for 5yrs and now burden for 35yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
I have asked Santander Consumer, USA NUMEROUS times to cease and desist communication with me and to discontinue reporting ANY AND ALL updates to the three credit bureaus effecting my score as they 've secured their vehicle a long time ago. Santander is constantly reporting late payments each month to the bureaus when I have not had possession of their vehicle and the account was charged off XXXX XXXX. In addition to that, they 're reporting a new address for me as XXXX XXXX XXXX, I HAVE NEVER LIVED HERE! I 'm tired of them holding my credit score hostage while I am actively trying to rebuild and reestablish myself. Santander is making it extremely difficult to move forward by literally harassing me about an account that is closed. Please investigate this matter promptly, my next step is to file a law suit against them, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: NY
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:
On my XXXX XXXX Bank USA N it is reporting as delinquent when I have never missed a payment and all my payments have been on time. Under all XXXX bureaus account # XXXX it is reporting that in 2021 XXXX, XXXX, XXXX, and XXXX respectively I have had 30 day, 60 day, 90 day, and 120 day late payments when this is not true and is 100 % inaccurate. I have been current and up to date on my credit card as it is only a {$500.00} limit and due to this discrepancy it is severely affecting my credit where I am trying to go for an apartment and I can not get approved for anything due to these disastrous days late that are severely affecting my credit. I need this fixed 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 2019-09-23
Company: Navient Solutions, LLC.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Back in XXXX I applied for a Wells Fargo loan that was $ XXXX by accident, I didnt mean to since thats too much money and my credit lowered ten points then last month for XXXX my credit score lowered by eighteen points because I couldnt log into my Wells Fargo account on the mobile app so I thought they closed my account and I opened up four more accounts by accident so I had now in total six accounts and I had to go to my bank in XXXX to close four account each checking and savings and keep my original checking and savings, it was just an accident so may my main XXXX credit score go back up eighteen or ten or both,

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 2022-01-19
Company: GOLDMAN SACHS BANK USA
State: TX
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:
I made a payment ( ACH ) last Thursday XX/XX/XXXX XXXX {$4000.00} ( entire balance ). My statement due date for payment is XX/XX/XXXX. Today I attempted to use my card for {$270.00} at the doctor office and was declined due to over spend limit. My credit limit is {$5000.00} but only have {$130.00} available. 

When I inquired why my payment hadnt posted I was told there is a hold placed on my payment until XX/XX/XXXX. Ive been a cardholder for over a year and no issues or late payments- there was an issue at XXXX last month when I payed my statement balance in full on XX/XX/XXXX but I corrected issue and paid in full on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
a fraudulent account was opened in my name, capital one is refusing to show me a signed contract proving the account is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX  XXXX XXXX # XXXX ; XXXX XXXX  # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions 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:
VARIATION IN CREDIT REPORTS - EXPERION I am very concerned with the credit rating submitted by EXPERION. Their rating is XXXX vs XXXX at XXXX and XXXX XXXX. This a huge variation between the other companies. EXPERION has caused me a lot of problems as they had information wrong on my credit report than had to be corrected. I sent them the following on XX/XX/XXXX and am waiting for a response. They also advertise their Boost program which does not list my bank. If they are going to do something for some individuals they should do it for everyone. 
I believe they are only interested in making a profit off everyone rather than correctly calculating my credit score. 

Why does XXXX XXXX XXXX not show up in your list of Boost banks. I pay my rent every month, electricity and XXXX phone using my bank debit card and have always been on time or early since XX/XX/2016. I am also concerned about my Experian score which is XXXX vs my XXXX  score of XXXX and XXXX   of XXXX. That is a huge variation. If I do not hear back on both questions I will contact ConsumerProtection.gov on Tuesday XX/XX/XXXX. 

Best regards, 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 explanation
Consumer complaint received 2019-09-23
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2022-11-21
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:
This is my several 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 reached out to XXXX with Account # XXXX on several occasion about a store credit card that isn't mine that is reporting delinquent across 3 bureaus XXXX, XXXX and Transunion. The account is reporting as past due 150 days where there is a credit limit of {$100.00} but the balance on the account/card is {$260.00}? The account was closed at the credit grantor 's request where the last 6 months of 2021 that the card was opened under the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX there were late payments 30 days late, 60 days late, 90 days late, 120 days late, 120 days late, 120 days late, and 120 days late. This credit card account isn't even mine and a result of identity theft and I have reached out to the creditor for the past 90 days with no luck on a response and at this point the only hope I had left was to reach out to the cfpb to see if they could help me get this delinquent account that is severely ruining my credit that has nothing to do with me off my report and be able to get the attention of the creditor as everything I am doing is not working.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-06
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 WRITTEN TO BOTH XXXX AND THE CREDITORS LISTED BELOW ONLY TO KEEP GOING IN CIRCLES CREDIT AGENCY SAYS ITS CREDITOR CREDITOR SAYS ITS CREDIT AGENCY REPORTING THE INQUIRY XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX theses are all from 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 2018-01-06
Company: Experian Information Solutions Inc.
State: MS
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 sent numerous letters to Experian, XXXX, and XXXX detailing the fact that my identity had been stolen and that fraudulent accounts had been opened in my name and reporting on my credit report. Despite the many certified letters I sent that was n't returned to me and the phone calls nothing has been corrected. I contacted XXXX and waited 1hour and 30minutes for someone to initially tell me they have n't received anything. Once I told them my certified receipt numbers she conveniently found some of my information but supposedly not all of it. I asked her how was it possible to get some of it but not all? She could not adequately answer my question. My name and SSN came up in the XXXX Breach as well as the XXXX Breach but yet no one wants to remove the inaccurate information. I sent letters to both the creditor and the reporting agencies. I reported fraud alert years ago nothing was done. Did it last year nothing was done. And when I finally talked to the representative she told me my police report was n't good enough. I said well what more do you want me to do? She was very nasty to me and not concerned about me the victim.

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