BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TRANSUNION HAS LISTED AN ACCOUNT ON MY CONSUMER REPORT WITHOUT MY PERMISSION. 
TRANSUNION IS NOW CIVILY LIABLE AND CRIMINALLY LIABLE. 

THE ALLEGED DEBT ALSO DOES NOT MATCH THE LISTED AMOUNT ON THE CONSUMER REPORT. 

THIS ACCOUNT IS FROM AN DEBT COLLECTOR THAT HAS VIOLATED THE FOLLOWING LAWS : XXXX XXXX XXXX IS IN VIOLATION OF THE FOLLOWING : 15 U.S. Code 1692b. ( 2 ) 15 U.S. Code 1692b. ( 5 ) 15 U.S. Code 1692c. ( a ) ( 1 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692e. ( 2 ) 15 U.S. Code 1692e. ( 7 ) Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report. No consent is identity theft.

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 2020-09-06
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. My information was used to open an account with XXXX without my authorization. I never used this account nor did I receive any benefit from this account. 
I contacted XXXX a few months ago and they assured me that they will investigate this thoroughly. 
The last correspondence from XXXX dated XX/XX/XXXX states the following : " We respectfully decline to remove the XXXX / XXXX XXXX XXXX account ending in XXXX from your credit profile as we have determined that you are responsible for the account. The account was established on XX/XX/XXXX and the card was mailed to an address previously verified to you. In addition, the phone number used for activating the card also verifies to you, we also have signed correspondence on the account from you, and your previous request to convert to this account. There were payments received for this account from a checking account in your name. We also confirmed that the statements were sent to the address listed in your CFPB complaint and FTC report. '' This is extremely disappointing. Based on their findings it seems that one of my household members was the one who opened the account, and that is how he/she was able to have the card mailed to my address and activate it from my phone number. It has also became clear since that a bank account has also been opened in my name without my authorization, and this account was used to make payments to the XXXX credit card. 
XXXX has failed to verify the individual who opened the account by requesting identity verification documents. And most of all, even after being notified that this account is a result of identity theft, they still failed to fully investigate and review all merchant charges on the credit card and to identify the thief who opened this account. Instead, they made a baseless conclusion that I am responsible for this credit card and, as of today, this account still shows up on my credit files.

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 2021-01-31
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX make a sincere request to three of my creditors, for relief of a one-time late payment during a month where I was hospitalized for XXXX from XXXX. I am a veteran of the United States XXXX, and I served in the XXXX during the invasion and ultimate success in securing freedom for XXXX. However, over the years I dealt with the XXXX problems, and in XX/XX/2019 I was hospitalized where I had no access to pay my bills on time. Several creditors already removed the XXXX X XXXX day late payment as a courtesy to a military veteran. I am now XXXX  % covered by military XXXX, and I also work full time running my own business. I believe that my business will go through high growth periods over the next five years, and my excellent credit history was always a priority in my life. Accordingly, I respectfully request the XX/XX/2019 late payment as I was not in any position to attend my affairs. I am now healthy but there was a short time in my life, dealing with XXXX was impossible. I thank you for any consideration you can show me. Thank you. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-06
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 am a victim of identity theft. My information was used to open an account with XXXX without my authorization. I never used this account nor did I receive any benefit from this account. 
I contacted XXXX a few months ago and they assured me that they will investigate this thoroughly. 
The last correspondence from XXXX dated XX/XX/XXXX states the following : " We respectfully decline to remove the XXXX / XXXX XXXX XXXX account ending in XXXX from your credit profile as we have determined that you are responsible for the account. The account was established on XX/XX/XXXX and the card was mailed to an address previously verified to you. In addition, the phone number used for activating the card also verifies to you, we also have signed correspondence on the account from you, and your previous request to convert to this account. There were payments received for this account from a checking account in your name. We also confirmed that the statements were sent to the address listed in your CFPB complaint and FTC report. '' This is extremely disappointing. Based on their findings it seems that one of my household members was the one who opened the account, and that is how he/she was able to have the card mailed to my address and activate it from my phone number. It has also became clear since that a bank account has also been opened in my name without my authorization, and this account was used to make payments to the XXXX credit card. 
XXXX has failed to verify the individual who opened the account by requesting identity verification documents. And most of all, even after being notified that this account is a result of identity theft, they still failed to fully investigate and review all merchant charges on the credit card and to identify the thief who opened this account. Instead, they made a baseless conclusion that I am responsible for this credit card and, as of today, this account still shows up on my credit files.

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 2020-09-06
Company: Experian Information Solutions 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-11-04
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. While examining my updates, the fallacious information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax Credit Bureau was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo Mortgage ; Loans XXXX, and XXXX We paid these loans IN FULL ON XX/XX/19. However, WF has REFUSED TO NOTIFY THE CREDIT REPORTING AGENCIES!! Instead of showing a balance of XXXX, the credit reports still show an incorrect balance of {$97000.00}. We have contacted Wells Fargo 's mortgage service line numerous times without success. This credit problem is PREVENTING US from pursuing other, essential financial transactions. 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 2020-11-22
Company: Home Loan Center, Inc.
State: NC
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:
Lending Tree website provided an icon that I believed, would give me " information only '' on an auto refinance with XXXX XXXX XXXX. Lending Tree gave no disclosure that by clicking on the icon a credit report would be generated to XXXX XXXX XXXX and an application, you never saw or approved of, a " ghost application '', would be generated. Lending Tree gave no disclosure that this application would continue to be moved along to other lenders, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, who each would make a credit inquiry. It is unknown how many lenders were notified or could have potentially dinged my credit report with an inquiry. There is no end to how many lenders could do it this way. I never applied for a refinance with XXXX XXXX XXXX. The other lenders involved have no failsafe method to verify if the application they received was legitimate. They simply trust XXXX XXXX XXXX to send them a legitimate and valid application. XXXX XXXX of XXXX XXXX XXXX admitted to me in an email that once the icon is clicked it " automatically '' produces an inquiry. XXXX XXXX XXXX also has no failsafe method of blocking a credit inquiry if all the consumer was looking for was information. This is " application harvesting '' and needs to be stopped. Only XXXX XXXX responded to my complaint, but they don't understand the issue involved. They dont understand there is a moment in time between when they receive the application to when they make the credit inquiry where they could act to verify if the application is legitimate. I am dealing with four inquiries on my credit record for a refinance I never applied for. The Credit Reporting Agencies have told me they have no way to remove inquiries for a loan application that was never made. I'm stuck with these inquiries for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Discover is a card company who process application for applicant who are in need of credit. Discover is falsely advertising that they have millions of dollars to offer consumer ( s ) who qualify for instant credit. My complaint is against Discover card and the card company ' affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My Citibank XXXX XXXX XXXX  card said they were giving me two months forbearance when I called them in XXXX. I was unable to pay my XXXX bill bc of forced government shutdowns. I didn't realize they expected me to pay XXXX even though I was laid off two weeks prior. I'm concerned they reported my missed XXXX payment to the credit bureaus. My credit score dropped 100 points since XXXX and Citi card lowered my limit and said I was deliquent in a letter to me.

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 2019-03-04
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently applied for a car loan, when applying they found that Mortage payment has been late for the past two years, when I contacted the Mortagage they informed me I missed a payment in XXXX of 2017 but I made a double payment in XXXX to catch up..but even if that's true why am I being reported for being late on the payments for two years? The Mortage company also has my payment on the credit report being {$1300.00} and my actual pay XXXX..my Mortage was bought by this company about the same time all of this started to happening, I've been paying {$1.00} for the past year thinking im paying extra when they are reporting that I'm short every month.I was paying threw their automated system before I started paying threw my bank bill pay account and I have all of the payments I've made for the past year

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: IL
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 am writing to bring to your attention the presence of inaccurate information in my credit profile, specifically pertaining to my accounts with XXXX XXXX, XXXX, and XXXX and XXXX. I have attached supporting documentation to substantiate my dispute and request a thorough investigation and correction of these discrepancies. 
I kindly request that the Consumer Financial Protection Bureau initiate an investigation into these matters, review the attached documents, and take appropriate actions to rectify the inaccuracies in my credit profile. Additionally, I request that you notify the respective credit reporting agencies to update my credit information accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On X/X/17 we used XXXX which is a money transferring system offered by Wells Fargo. The amount of {$450.00} was sent to my sister in law that also has a Wells Fargo Account. The problem is that Wells Fargo sent it to a XXXX XXXX that according to them matched the email of the recipient. Because the transfer was done using the email they state that the account that was associated with that email was XXXX and not Wells Fargo. What makes things worst is that when she tried to retrieve the money she was told that she needed to open an account in order to collect her funds. At that point we called WF and were told that we had to contact XXXX. XXXX then said that WF made the mistake and that they are responsible to make the correction. After going back and forth with both banks on the phone we visited our local WF branch. After explaining the situation we were told that it is not a WF issue but a XXXX issue. After persisting with the branch manager they filed a claim to the " escalation team '' and that we should expect a call within 3 to 5 business days. On Wednesday we received a call from the rep that assisted us at the branch and relayed the information he received from the escalation team and that they are not sure if they can retrieve the money from XXXX and that the recipient should contact a XXXX branch " she already attempted that '' Once again we called Online customer care and after much explanation and over 1.5 hours being transferred we filed a complaint with the " resolutions team '' still nothing has been resolved. The funds are in limbo somewhere and WF states that it can take up to 10 business days for the investigation to be concluded. We feel this is abusive and un explainable on behalf of WF. We can not comprehend how they promote a service like XXXX but once a problem occurs they try to avoid responsibility for the mistake. After reading in the news the list of problems and complaints WF has been faced with lately, We wonder how they continue to get away with this kind of behavior. 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 monetary relief
Consumer complaint received 2018-07-16
Company: Selene Finance LP
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We had a mortgage with XXXX XXXX XXXX, everything was fine until we had a wind damage insurance claim. the Insurance co ( XXXX ) sent us a check to be endorsed by us and the mortgage company on XX/XX/2018 in the amount of {$22000.00}. the rules kept changing on how to get the contractors paid. I got my insurance company to call five times to help get this problem resolved. I told them that I was going thru the Cal. DOJ if we did not get the checks. On XX/XX/2018, they sold my loan to Selena Finance XXXX XXXX XXXX XXXX. XXXX, TXXXXX, XXXX. I called Selena and they said a balance of {$9000.00} was transferred, However : no insurance or claim adjusters report were forward and Selena said, I could resubmit all the paper work again. I am aXXXX % XXXX XXXX veteran and my ceiling is falling down. I had the roof repaired and floor replace ( paid ) the ceiling and paint still needs yo be done. I have been back and forth since XX/XX/2018 and has cost me {$78.00} in mailing all this paper work. I am not going to do this again. I will send the appraiser cost for repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Entrata Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I lived at XXXX XXXX XXXX XXXX XXXX IL XXXX from XXXX this was my home and I owned it until we sold PLEASE TAKE THE FOLLOWING OFF MY CREDIT REPORT I never lived at XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX I never lived at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: The Law Offices of Gerald E Moore & Associates, PC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX, XXXX XXXX, XXXX. Contacted my employer on XX/XX/2020 stating I had a judgement for a debt I had never heard of before. I contacted them phone and email and asked them for any information on this " judgement '' as I had not been served and it was not reported on my credit report. They have continued to contact my employer and harass him over this issue. I have never received any information on this matter directly from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
On the XX/XX/2020, I fell victim to a fraudulent Crypto Currency and XXXX XXXX  named XXXX. Money was transferred from my account to the Company a bank wire for a total amount of XXXX EUR utilizing Coenbases services.

Company response to consumer: Closed with explanation