BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, 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: 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. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX Account Number : XXXX 10. XXXX XXXX Account Number : XXXX 11. XXXX XXXX XXXX Account Number : XXXX 12.XXXX XXXX XXXX Account Number : XXXX 13. XXXX XXXX Account Number : XXXX 14. XXXX XXXX XXXX XXXX Account Number : XXXX 15. XXXX XXXX XXXX XXXX Account Number : XXXX 16. XXXX XXXX Account Number : 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 instruction 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 2018-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XXXX, I got behind my mortgage payments when the loan adjusted to an incredible payment. To my surprise, I had been given a pick a payment loan which I did not have any understanding of this loan. In addition, developed a terrible medical condition and I was not able to continue working I desperately call my lender/servicer Wells Fargo Home Mortgage requesting assistance with my loan to no avail. 
I continued to ask for assistance for a loan modification under the XX/XX/XXXX Settlement between XXXX XXXX XXXX ( who was the Attorney General back then ) and Wells Fargo for the risky adjustable rates mortgage they gave the people of California. I also had been pleaded with Wells Fargo to give me a modification under the ( HAMP ) Making Home Affordable program, I began to fax all requested and repetitive documents to the modification department for several months, I was constantly transferred to different Wells Fargo Home Mortgage representative and agents. I was distress, the anguish they kept denying my request for a modification I was in disbelieve Wells Fargo Home Mortgage made this into a nightmare I continued to plead with them and explained my difficult situation but it has not gotten me anywhere. 

I want to file a complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and corrupt, method with the process of my loan modification and for prolonging the loan modification which I believe I am in title due to the grounds I mention at the beginning

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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

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 2021-11-12
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During Covid-19 shut down, my husband and I were out of work. We decided to do a forbearance on our mortgage incase we were not able to pay it during our lay off. After 6 months I called to resume my mortgage, as we both went back to work. My mortgage company reinstated my mortgage and added a 2nd loan for the missed months. They added a {$22000.00} 2nd loan. I asked they repeatedly to send me a breakdown of this 2nd loan and what it consists of. They have refused to give me this information. This has been going on sense XX/XX/XXXX. My loan balance started at {$350000.00}. We made 4 mortgage payments before going on Forbearance dropping out balance to {$340000.00}. After the forbearance period was over and my loan was reinstated my mortgage balance increased to {$350000.00}. If this is a non interest baring forbearance how did my principal balance increase by {$9500.00}. They will not send me any information to explain this to me. I need help. My mortgage is with United Wholesale Mortgage. Not only that but when I go on the website to view my past documents, they are now missing!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wallet was lost on XX/XX/2018 and I reported it to the bank on XX/XX/2018 to shut the account down. Bank of America did not shut the account down and continued to allow purchases to be charged to my account. I completed a dispute of all charges totaling over XXXX dollars as they occurred by viewing my account on line. They paid the claim then came back a month later and reversed the claim taking all the money back stating XXXX  XXXX  said I was a regular customer. I informed them that I have never ever used XXXX  XXXX or XXXX  in my life and to get them to provide proof that it was me. Bank of America refused to do so and stated that they were done. I filed another complaint sending in the police report, but they refused to do anything. The police arrested three males with my identification and bank card in their possession. Bank of America was sent that information and still refused to give me my money back. I feel that as a victim of a crime I was being robbed of my rights and taken advantage off. They showed no interest in doing their job correctly and properly investigating this case to the fullest. If that had been done the bank would know that I was the victim and did nothing wrong. Instead the bank took that money back from my account causing me a financial hardship because I was right in the process of buying a home and was unable to pay my bills. The claim number with bank of America is XXXX. I continued to contact them with no resolution what so ever. I am so lost and hurt because someone can steal my money and the bank did nothing about this incident, nor did they protect me and my money. Because they made the mistake by not closing 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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 listed below : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}.

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 2022-10-21
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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Itemspassed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$9100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-03-17
Company: ALLY FINANCIAL INC.
State: MD
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:
This company filed an auto loan application without my knowledge or consent. Customer service refuses to remove the inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2020 I made a change to two plane tickets that I purchased from XXXX XXXX XXXX. The change for the change in tickets was {$50.00} and {$66.00}. The charges appear on the statement for XX/XX/2020. I paid for the charge on my PayPal credit card. When I saw my statement, I saw two additional changes, {$100.00} and {$89.00}. I contacted XXXX XXXX and they sent me sent me a confirming email saying that, Our records do not reflect the other changers mentioned. As such, we ask that you contact PayPal for any further assistance. I contacted PayPal and filed a dispute with them three times and gave them a copy of the email from XXXX XXXX. They have denied me my request to remove the charges. I have explained to them that I did not receive anything for those charges and So.  XXXX can not associate the charges with any purchase on their end and they can not find the charges in their records Therefore they can not reverse the 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 monetary relief
Consumer complaint received 2022-10-21
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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Itemspassed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; AXXXX XXXX XXXXXXXX Balance Owed : {$9100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: PA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
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:
Someone has stolen my identity I check my credit and notice Fraud Accounts I did not give anyone permission to open any accounts using my personal information this is very stressful I'm a student doing my very best at life, and someone is trying to destroy my credit which is very important for my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 DEPT OF ED 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 non-monetary relief
Consumer complaint received 2021-09-13
Company: Bliksum, LLC
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted Loan me with no response. I made a payment on XX/XX/XXXX XXXXnd they are attempting to charge me {$600.00} in interest for 10 days ( last payment was 10 days ago ). This is over 1200 % interest. The loan is supposed to be 84 % interest which would have incurred a {$40.00} interest charge for 10 days. 

I have noticed that ALL payments are showing inconsistent interest charges. I have paid a total of {$2000.00} on this loan and due to the shady and inconsistent interest trying to be charged, I want this loan closed and showed paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I asked New Rez why they are not reporting our payments to the credit reporting agencies. They said that since I have not reaffirmed the loan they don't have to. They are making credit more expensive for me and my husband.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I refinanced my private student loan from Firstmark services to XXXX. XXXX XXXX  then sold the loan back to Firstmark services. My current monthly payment is over {$600.00} a month. I can not pay this amount and contacted Firstmark. I was tld that I am not eligible for any help at this time. I am now behind on my payments by several months after losing my job in XX/XX/2018. Firstmark continues to call me demanding payment however they are not willing to offer any affordable solutions. I am also accruing late fees that are astronomical as well as ridiculous high interest. My initial loan was under {$40000.00} and now is over $ XXXX.Is it any wonder there is a student loan crisis in this country. I was told that even if I make a small payment each month my loan will still default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Submitted complaint on or about XX/XX/23 it has been over 30 days and I have not received a written validation/ contract containing my wet ink signature ( Failure to transmit statement 1637 ( b ). XXXX XXXX and Caine and weiner are in violation. Both entities are in Default and Dishonor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Because XXXX in 2017, student loan collections have continued to ignore my XXXX paperwork and aggressively pursue me in collections and with harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 4TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-13
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: Account status incorrect

Complaint:
This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from Experian and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.

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 2023-09-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Someone tried to apply for a credit card on XX/XX/XXXX in my XXXX married name of XXXX. I need to know how I go about getting this removed. And flag my account please.

Company response to consumer: Closed with non-monetary relief