BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 have fraud alerts on all three credit bureaus when credit is applied for I am to be called. These injuries are be made through the fraud alert and block.

Company response to consumer: In progress
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$970.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX  XXXX Bankruptcy US XXXXXXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy XXXX Reference # XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-07-10
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been asking my mortgage company GREENTREE LENDING for a loan modification several times and they deny me for no reason at all. They never give me the chance to fill out the application. They just say that they ca n't give me a modification. My payments are over XXXX a month. This is causing great stress. This is a XXXX account. I never wanted my mortgage with GREENTREE LENDING. However it was transferred right under my nose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am submitting this complaint on my own behalf to resolve a matter concerning incorrect personal information and unauthorized inquiries on my credit report. This information is not associated with me, and I urgently request the removal of this fraudulent data.

Company response to consumer: In progress
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I spent time calling and writing to Equifax and researching the data breach which caused emotional distress. 

Equifax had a data breach which means everything on my consumer credit report was breached. Please remove these items from my report.

Company response to consumer: In progress
Consumer complaint received 2023-06-09
Company: M&T BANK CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a large payment to cover half of the year in advance. They did not distribute the money properly. They then reported a late payment to me credit. After going through the storms to get them to fix it, paying my mortgage every month has been a nightmare. Each month I call to make my payment they act very confused as thought they have no clue where the funds are. They say Im late for mt payment then realize M & T is at fault then move money around to fix it. Yet after spending 1-3hrs on the phone with them each month, they somehow have me in the same position every single month. Falsely reporting my payment late and then having me waste 1-3hrs on the phone with them to reapply the money correctly and request their credit department fix my credit. This is mentally and emotional to draining and very time consuming. I can not deal with this month in and month out for 30 years this is insane!

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 2017-02-08
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I had opened Citibank Savings account under a promotion which gave {$350.00} if I deposited more than {$25000.00} between XX/XX/2016 and XX/XX/2016 and kept the money till XX/XX/2016. I fulfilled the requirement and was waiting for the bonus to arrive. 
I also verified with the customer service agent at Citi that I qualified for the offer and they confirmed it saying I should receive it within 90 days of completing all the requirement. 

However, I got another message from Citibank saying that I will not be receiving the bonus as I do not qualify. I have attached the offer terms which I signed up for and the chat with Citi agent confirming my qualification

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 2019-04-12
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:
We state for the record to Experian, XXXX, & XXXX of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval.

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 2023-04-26
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have mailed out XXXX dispute letters each to Transunion, XXXX, and XXXX, all certified mail, and have not received ANY correspondence although it has been confirmed that my letters have been received via tracking from the United States Postal Service. Each reporting agency also received a copy of my consumer report detailing the many inaccuracies, inconsistencies, missing data, etc. I made sure to point out each and every mistake. 15 U.S. Code 1681i provides the procedure and rules they are to follow when information is being disputed by a consumer. None of this was followed. I do not believe an investigation was ever initiated. I didn't receive any physical letters, emails, alerts, notifications, -nor did I receive a copy of my credit report upon the completion of my investigation as I requested in all of my dispute letters. 15 U.S. Code 1681 ( a ) ( 4 ) states that the reporting agencies are to insure that they exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Section ( b ) further details that the reporting agencies are to carry out these procedures in a manner which is fair and equitable to the consumer, with regard to confidentiality and accuracy. This has not been the case. They have not been fair, and my right to privacy is not being respected. In fact, my right to privacy is being repeatedly violated by the following financial institutions : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX [ The same account is reporting twice! ] ; XXXX XXXX XXXX XXXX ; [ XXXX ALSO BE " XXXXXXXX XXXX XXXXXXXX '' ; if not, this is in violation as well ] XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX. There is no confidentiality being that my nonpublic personal information is being shared to nonaffiliated third parties without my permission. I did not provide any of these companies with any expressed consent to furnish information onto my consumer report. This constitutes as identify theft and this is against federal law according to 15 U.S. Code 6801 and 15 U.S. Code 6802. I was never given a clear and conspicuous notice, or the choice to exercise my right to opt out of reporting. Overall, I am not being treated fairly, any my privacy is not being protected by any means. I have wasted money, time, and energy fighting this matter and I really hope you can 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 non-monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-15
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: SYNCHRONY FINANCIAL
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:
Account was closed XX/XX/XXXX due to my report on fraud because I never opened the account. I never authorized the account to be added back on my credit report after the account was closed. The address on file was even wrong, This Company reported the account again on my credit report XX/XX/XXXX. They said it takes 30 days to update information regarding fraud but they waited 5 months to add somehting on my report without my consent which and the address on file is wrong never belonged on my report. The information was also added on my report wihtout my written consent as well which is ILLEGAL!!!! I can't even purchase my home due to the illegal activity by paypal Credit/synchrony bank XXXX I will open up a civil lawsuit claim for the illegal activity as well. After they originally found out the account was fraud it was added again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Resurgent Capital Services L.P.
State: MA
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:
On XX/XX/2023 I received a letter from XXXX XXXX  stating they had won a lawsuit in court against me. I dont have any credit cards. XXXX XXXX XXXX. My mom went online and got a copy of my credit report and there were several things on there I never signed up for, the following is on my credit report that I never had knowledge of : 1. XXXX XXXX 2. XXXX XXXX XXXX. 
3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
I have tried XXXX times to update my address with Equifax so my lender can view my credit report. I must have called Equifax and spoken to agents regarding this matter about dozen times in the last month. They have instructed me that the problem is that they do not have my current address only my old. So, they inform me, the only way to remedy the situation is to fax them my old address and new address along with new lease agreement along with other documentation. I have faxed Equifax this information on two separate occasions, at the cost of me spending approximately XXXX dollars in gas and fax fees, as I live in the XXXX XXXX, a good distance away from any establishment with a fax machine. Equifax told me last week they received the fax. This week they tell me they haven't received any of the faxes! They informed me of this after I told the lender it was okay to pull my credit again. He tried and it didn't work. 

Now again Equifax is requiring that I send the information, this time via snail mail. You know I have already faxed them two times. I believe they are so massively disorganized they will probably lose my letter/documents again because they have such an excellent track record of losing these things. This is of great concern to me, although I will send the letter/documents again. With rapidly rising interest rates, Equifax 's sheer incompetence is probably costing me hundreds of dollars as we speak ( or type. ) This is ridiculous. 

The last fax was sent off on XX/XX/2023 at XXXX XXXX. 

I simply want my lender to be able to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had the SallieMae credit card for one year and I made my payments on time. The card company suddenly closed my account and cleared my reward points without any explanation.

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 2023-04-26
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Paramount Recovery Systems has violated my privacy and unlawfully trafficked my nonpublic medical information to unaffiliated third parties against my consent. Paramount Recovery is intentionally defaming my character in order to coerce a payment on a debt that i do not own or owe. Paramount has ruined my reputation and credibility and has prohibited me from obtaining fair and accurate credit reporting. I have also filed a HIPAA complaint. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, My name is XXXX XXXX and I currently have student loans with XXXX XXXX. InXX/XX/XXXX my student loan was marked as 120 days past due. During this time in my life I was struggling to pay many bills and as a young person somewhat recently out of school, I didn't understand the importance of credit and the negative effect not paying things on time can have on your credit. Since then, I have learned to budget, I am in a much better place financially and I have systems set in place now, should I ever need them, if I come across a financial hardship so that I can continue to pay my bills on time. I have learned so much from this experience and will never be negligent in regard to paying my bills on time again! I humbly ask that XXXX XXXX XXXX would forgive the negative remark on my credit report so that I may move forward in my life and begin to build a stronger credit health so that I may pursue the American dream and open my own business soon! I was also made aware that it is possible to consolidate all of my loans into one in regard to the way it reports to the bureaus so that it reports as one loan rather than numerous, which can harm my credit potentially. Thank you so much for your time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, DISCOVER BANK used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. DISCOVER BANK reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
At times I get an email from Discover to update income information. From my understanding, this is optional but the wording makes it sound like it is required by law. 
I previously contacted Discover about this but they seem to be ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not accurate. 

XXXX XXXX I was never late on this account, please update this on my report XXXX XXXX XXXX XXXX This doesn't belong to me INQUIRIES 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 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Other problem getting your report or credit score

Complaint:
XXXX XXXX and XXXX XXXX XXXX XXXX reporting late payments and delinquents 30 to 90 days late. XXXX some false statements on reporting late and no available credit i have bank statements and checkbook statements are available a few payments maybe 2 days late because of mailmen postal delivery.

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 2023-04-26
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I received a notification from XXXX that a collections account has been reported. When I looked into it, it said that it was for XXXX. I never received any communication from this collection company and they never attempted to verify the debt whatsoever. In addition, I do not owe XXXX. I don't have a relationship with XXXX. This is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out a student loan with Sallie Mae ( now Navient ) for my son attending XXXX University on XXXX. The end date is XXXX and the principal amount was {$44000.00}. 

XX/XX/2022 I received a letter from Navient informing me that the monthly payment decreased from {$270.00} to {$180.00} because they had overcharged my interest. I contacted them on several occasions to see if they could apply the interest amount that I overpaid to the current balance of the note and they declined. The overpayment is {$84.00} per month and if I paid through XXXX, that amounts to {$14000.00}. I want the interest taken off of the principal but I didn't get anywhere with Navient. 

Additionally, I paid off another student loan with Navient for my son attending XXXX and I'm concerned that I overpaid that interest too, but they never informed me. 

Please help me to resolve this issue.

Company response to consumer: Closed with explanation