BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX XXXX  has fraudulently and erroneously reported me, XXXX XXXX XXXX, to Chex Systems, as having a checking account with them, in very poor standing, abuse of account, unpaid charge off, on XX/XX/2017. I have never had this account, last four digits of account # XXXX, charge off amount of & XXXX, status is unpaid as of XX/XX/2017. I have no idea where XXXX XXXX  received this information. I do have a current checking account with XXXX XXXX, I opened with my wife, XXXX XXXX XXXX, about 10 to 12  years ago, which is still open and in good standing, this is the only account I have ever had and still have with XXXX XXXX. I called there Customer Service, XXXX line today at XXXX XXXX  and talked to XXXX, a supervisor, and was told she couldnt help me, and told me to contact the three credit bureaus, or the Consumer Finance Protective Bureau, which I am currently doing. Please let me know if any further information is needed. Thank you for your assistance, 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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have never opened a XXXX Credit card with XXXX  bank ending in XXXX. I am in the process of disputing this account from my credit reports opened in my name in XXXX and XXXX. The XXXX account shows it was closed and the XXXX account shows it is still active and open. I have been out of the country for over 6 years and never shop at XXXX. Their fraud dept sent me a letter and I am very concerned because this is ruining my credit & the balance is very high. Please help me remove this from my credit history. The credit bureaus advised me to file a fraud complaint with the FTC regarding any fraudulent accounts opened in my name. The second account is XXXX XXXX and XXXX which I never opened with high balances that were put into collections.

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 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-29
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:
I have never opened a XXXX Credit card with synchrony bank ending in XXXX. I am in the process of disputing this account from my credit reports opened in my name in XXXX and XXXX. The XXXX account shows it was closed and the XXXX account shows it is still active and open. I have been out of the country for over 6 years and never shop at XXXX. Their fraud dept sent me a letter and I am very concerned because this is ruining my credit & the balance is very high. Please help me remove this from my credit history. The credit bureaus advised me to file a fraud complaint with the FTC regarding any fraudulent accounts opened in my name. The second account is XXXX XXXX  and XXXX which I never opened with high balances that were put into collections.

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 2022-04-29
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:
I have never opened a XXXX Credit card with XXXX XXXX ending in XXXX. I am in the process of disputing this account from my credit reports opened in my name in XXXX and XXXX. The XXXX account shows it was closed and the XXXX account shows it is still active and open. I have been out of the country for over 6 years and never shop at XXXX. Their fraud dept sent me a letter and I am very concerned because this is ruining my credit & the balance is very high. Please help me remove this from my credit history. The credit bureaus advised me to file a fraud complaint with the FTC regarding any fraudulent accounts opened in my name. The second account is XXXX XXXX  and XXXX which I never opened with high balances that were put into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card
Issue: Billing statement

Complaint:
I signed up for interest free financing for 18 months. I made all payments on time every month for the minimum payment or more, they prematurely added the {$2000.00} in interest to my approximate {$300.00} balance. Did not allow me to pay the principal, reported me as late, charged me off and in addition to having a lawyer take me to court lowered my available limit to less than  1/4th  of what I had available credit limit with all my Synchrony Bank accounts even if they were in good standing which had no late payments. This is has negatively impacted my life and ability to purchase a home for me and my  XXXX  children.

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 2021-12-11
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, I have received a letter from Navy Federal Credit Union on several dates, stating that I need to verify my information using the XXXX form. I uploaded the form to their organization several times with no feedback regarding updates at this time. It appears I have credit cards with them that I can not access to make payments on at this time. I would like for your organization to reach out to them to get more details on verifying my XXXX XXXX XXXX  with the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a loan with 21st mortgage that began XX/XX/20. I have discovered that I am not on my property. I was put on the wrong property including all my utilities. I have continued to pay the mortgage but there has been zero progress. 21st said they are not involved and cant do anything about it. They are telling me I have to handle this alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: NEW YORK COMMUNITY BANK
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
M y Father passed, and I took over a Real Estate prop erty he owned in Arizona. For the last 8 months, I have been dealing with  two  Mortgage Service Companies, who have violated Federal Successor In Interest laws on Several Counts. The property had  two  mortgages. The primary Mortgage is current, and I am " allowed '' to make the payments. However, I am being told that I have no authority over this primary mortgage. Only the PR for my  Father 's Estate h as authority. IE I ca n't even change the mailing address for the notifications for this mortgage, " because my name is not on the loan ''.     XXXX   XXXX   XXXX   XXXX  , violated severa l Federal Laws,  and it was not found in due time due to these violations. This   XXXX   XXXX   XXXX  , was notified as soon as the Mortgage was found. They refused to speak to me - the  Successor In Interest, "  because my name was not on the loan '' and they had already " closed out '' ie, foreclosed on this mortgage. Their stance was " They had closed out this mortgage, and were not pursuing it at this time ''. In effect, the property was not lost, but a  Title Deed Filing Lein Remains Intact  for this property for this mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
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 have not supplied proof under the XXXX  of XXXX by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit 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 non-monetary relief
Consumer complaint received 2017-06-05
Company: LCS FINANCIAL SERVICES CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
After my wife 's bankruptcy,  XXXX    XXXX   converted this to a consumer loan and then transferred it to  LCS Financi  al.  Under Florida bankruptcy law, the lien should have been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have a mortgage loan through PennyMac and have been generally happy with their servicing up until. I refinanced in  XXXX   XXXX  to a lower rate after having the property tax rate for my house increase significantly. Everything seemed to be OK.     However, out of nowhere my monthly payment went from {$2000.00} to {$2200.00}. This is for my upcoming payment due on  XXXX   XXXX ,  XXXX .     When I checked with PennyMac they said that it was due to taxes and homeowners insurance increasing. However, I have not received any notification of change in my property tax rate for this year, nor any change in my homeowner 's insurance. Furthermore,  PennyMac  said that there was a shortage in my escrow of {$1000.00} that they needed to make up. I do not know how there is a shortage in the escrow, if they just went through a refinance with me a year ago. It makes no sense and I feel like they are taking advantage of me.     Finally, I just want to say that they were less than transparent about this change. While I commend them on their alerts that they use to send statements and notices that my mortgage is due, they provided ZERO notification about this change until I saw it on my monthly statement. After I asked about it, they added some form to my online system and said they would mail it ... but come on. If this was a legitimate increase, they would have known about it for some time and could have at least provided me with a little more notice and explanation about such an increase.     While {$140.00} per month may not be a lot to some people, for a middle class family of  XXXX , that is a considerable amount that impacts my family 's monthly budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jeffersons Capital is reporting inaccurate information. This information is based off previous information that they have reported. I am requesting that they delete and remove said record due to inaccurate reporting. Per credit guidelines a debt collector must report accurate information. Jefferson capital has violated that order. 

On XX/XX/XXXX the collection dropped off. However, as my records indicate Jefferson Capital went back and added debt onto my account as of XX/XX/XXXX. 

That is in accurate as there previous records has never indicated an account as of XX/XX/XXXX and the account had dropped off. 

I am requesting this account be deleted & removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was denied from a lender for " too many inquires '' on my on my Tranunion report. I know how important my credit worthiness is I immediately went to check all my reports to figure this situation out. I contact Transunion immediately about the wrong information. I constant go no help from anybody. Very disappointing. I have had a fraud alert placed on my account now for the past two years. To prevent any issue like this in the future. They have fell me as an citizen. Since, they could n't help me investigated on my own about this inquires that are below. I have NEVER authorized verbally, physically, even mentally for them to access my information. They have no indication of me providing my identification, blood, sweat or tears to their company.       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 2017-04-18
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a unknown account listed on my credit file which I have disputed and received nothing no validation etc. Please help I do know what else I can do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed several mistakes listed on my credit file and in my results nothing was done. The report states on the following  XXXX  's investigation  XXXX   XXXX  #  XXXX  which is outdated and past the statute it was updated from our processing on  XXXX    XXXX  ???  XXXX  #  XXXX  same outdated and should n't be listed and  XXXX    XXXX  , were in  XXXX  and it was to be investigated in  XXXX    XXXX   XXXX   #  XXXX  same,  XXXX   XXXX   XXXX  #  XXXX  outdated and false last updated  XXXX    XXXX  .  XXXX   XXXX   XXXX   XXXX  Unknown and going after this company directly as this is not my debt or account   XXXX   XXXX   XXXX   XXXX    XXXX  Outdated and past the statute and no validation,   XXXX   XXXX   XXXX   XXXX    XXXX  OUTDATED AND INACCURATE no investigation  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX  always paid on time never once was past 30 days last updated was  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 2017-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates, LLC  claims to have acquired a debt by a  XXXX   XXXX  for a supposed purchase at a   XXXX   XXXX  .   I did not make this purchase. I have never heard of  XXXX  Bank and never received a bill from THEM for this supposed debt.   This REEKS of a scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
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: Personal information incorrect

Complaint:
I submitted a letter to XXXX, XXXX, and Experian on XX/XX/2021 to update my personal information and remove the inaccurate. The information has not updated and I haven't received a response.

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 2021-12-11
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: Personal information incorrect

Complaint:
I submitted a letter to XXXX, Transunion, and XXXX on XX/XX/2021 to update my personal information and remove the inaccurate. The information has not updated and I haven't received a response.

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 2022-01-04
Company: Experian Information Solutions Inc.
State: PA
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 found fraudulent accounts on my credit report so i filed a police report and submitted the police report to all the credit reporting agencies. Experian accused me a submitting a fraudulent police report and did not fix my report. and they removed a item but my score did not change and its been months. I feel they are not going by the law of the fair credit reporting act. 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 2021-12-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Insurance policies were cancelled in XXXX but yet {$53.00} continues to be outstanding I requested waiver from XXXX with no response The Subscriber Savings Account balance is due me now that there are no insurance products When I canceled policies in XX/XX/2021 I was told there was no balance on homeowners, valuable personal and vehicle policies The XXXX XXXXsubscriber savings disbursement is being held up for this {$53.00} balance Requesting waiver of {$53.00} as no policies remain. USAA cancelled some policies in XX/XX/2021 and I cancelled remaining in XX/XX/2021 Please return entire SSA Bal {$6200.00} and waive alleged {$53.00} due USAA has no complaint tracking policy which violates CFPB mandates and is constantly receiving OCC sanctions for its illegal practices This is elder abuse and age discrimination by USAA

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am requesting to have the credit freeze removed from my Credit file I am unable to pull my credit file to conduct my financial business. 
Please see my attached documents SS Card, Rental lease and Statement bills.

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 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

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 2021-12-11
Company: Lending Club Corp
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card in the mail from Lending Club bank. Immediately contacted them to let me know that I didnt authorize this account and to close and report the card to their fraud department. Customer service also stated that she would send me a letter of our conversation and that the account would be closed. On XX/XX/11 I received a statement of the same account and contacted them again and they said the account was flagged but closed. I urge them to close this account because I did not authorize this account and they claim they are waiting for the fraud department to close the account. I have not received a letter from Lending club informing me that the account was closed.

Company response to consumer: Closed with explanation