BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had before identity theft incident, my identity has been stolen also, my SSN and other financial info, multiple accounts credit cards opened under my name without my knowledge, I have a police report as a proof of that. I request those accounts that does Not belong to me removed from My credit report on transunion credit bureau XXXX XXXX credit bureau/ XXXX credit bureau XXXX 

account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX account : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  CXXXX  Account Number 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 2017-03-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from XXXX, I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against EXPERIAN in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2017-03-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I went through and completed a student loan rehabilitation program in 2013 after being defaulted for all my student loans. Per the regulations of the US Department of Education, after a 9-months rehabilitation program, all my student loans are restored to good status, and it is currently are all in good standing since 2013. It 's been over 4 years, but select loan servicers ( XXXX aka XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ), did not fully restore my status to current as stated by the regulations. Therefore, due to their negligence it showed that I have serious deliquency status, although, I 've since consolidated all the loans together, and is currently in good standing with the all the loans according to the National Student Loan Database, a service of the Department of Education. I 've shared this information with all XXXX credit bureaus and provided documentations, and they refused to remove the deliquency status per the regulation. This is causing tremendous hardship and negatively affects my financial records in this negligent case, even though I 've tried in the last 4 years to get it removed. I am unable to obtain a mortgage, and refinance my current car due to this lack of action from the credit bureaus and the student loan servicers. Please help!!! Thank you.

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 2016-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
I had consolidated my debt into XXXX XXXX XXXX and completed my obligation to my debtors. Kohl 's credit card will not provide me proof of my payments made to them. They say the status of my account was closed for debt collection and they will not issue statements to me. How is that legally allowable? 
I made the payments yet they will not provide me receipts or statements. I have proof of my payments through the credit organization but no proof that Kohl 's applied those payments to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: CONTRACT CALLERS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt is unknown to me and cci can not provide details regarding debt orgination or dtails of the type of debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is an absolute nightmare to deal with. I had a student loan from XXXX, and it was reported as paid with {$0.00} balance : never late. This was more than twenty-two years ago. Although the root cause of my problem is XXXX, who seems to have stolen my information and is listing loans that I never took out, while also claiming that my XXXX loans from twenty-two plus years ago are still not paid, if the credit reporting agencies would n't allow this, there would n't be a problem. I have tried to get a Security Freeze, and I have had to call more than seven times wasting over five hours to only be transferred and transferred. I have uploaded the proof of information, mailed the information, and still, they will not remove the information or place a security freeze. I am in the state of California where my rights are very clear on this matter, but I can not get Experian to comply. The name for me on my credit report is wrong. I have sent information showing what my true, legal name is, and this, too, I can not get fixed. I do not have any credit, refuse to have credit in this horrible country that does nothing to actually protect the consumer, and I have a right to have my credit report completely blank instead of filled with fraudulent, blatant lies.

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 2017-03-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX XXXX was part of a XX/XX/2012 case against XXXX XXXX that found systemic auto loan discrimination. The case XXXX found that XXXX XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant 20 % interest rate. XXXX XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.

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 2016-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other

Complaint:
Financed motorcycle through XXXX XXXX XXXX on XXXX XXXX XXXX. Paid off account to {$0.00} balance on XXXX XXXX XXXX. 
Contacted Capital One about title and was informed original title was sent XXXX XXXX XXXX. Never received. Contacted again and was informed that Release of Lien was sent XXXX XXXX XXXX. Never received. Capital One phone representatives have claimed documents were sent to correct address via USPS with no tracking number. 
Included as an attachment is the statement noting that I have a {$0.00} balance on the account. Also included is a scanned receipt of purchase on XXXX XXXX. 
DMV confirmed that Capital One has to send me either the original title or the Release of Lien due to it being a paper copy. 

I originally contacted Texas Attorney General 's Consumer Protection who referred me to the Office of Consumer Credit Commissioner who referred me to the Office of the Comptroller of the Currency who referred me to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a certified financial crime investigator. I am filing this complaint on behalf of each individual that has been issues a Social Security Number by the Social Security Administration. I allege that the credit bureaus, to include Transunion, XXXX, and XXXX are willfully and knowingly allowing fraudulent profiles to be created in their databases and systems. On multiple instances, they were made aware of how they allow fraudulent credit lines to be opened with information that differs from the original individuals demographics. Financial Institutions are being harmed along with the individuals that are issued SSNs. Fraud losses are exponentially increasing year over year and this is in part, due to the credit bureaus going unregulated and unchecked. Regulators need to file suit against the Credit Bureaus for willfully and knowingly violating FCRA/FACTA and the consumer protection laws. 
A few questions any educated individual would now ask, after reading the previous statement, would be : " Why would the Credit Bureaus allow secondary profiles to be created? '' " What benefit do the Credit Bureaus have in allowing fraudulent profiles into their data/systems? '' " Why is this an issue and what are the implications? '' To answer these, we must first look at what all fraud schemes have in common .... MONEY. XXXX dollars are spent each year on fraud prevention and detection tools by financial institutions that are under MAJOR scrutiny by the various regulators. In order for financial institutions to comply with FACTA and the red flags rule, they must have proper detection tools in place. These tools are being developed, marketed, and sold to the financial institutions by the Credit Bureaus themselves. The Credit Bureaus have invested massive amounts of capital and energy on learning how to identify fraud within their data. Credit Bureaus have proprietary tools that can identify the very fraud they have allowed, which can easily be sold at top dollar to financial institutions, who unknowingly and unwittingly shell out XXXX for these fraud tools. 
To address the last question from above, we need to look at who Social Security Numbers are issued to. SSNs are issued to minors, adults, but most importantly, all are American Citizens. We as American Citizens are being harmed maliciously by the Credit Bureaus and DEMAND protection by the regulators. Escalate this to any other regulator or investigative branch of the government as necessary. It is time we address the root cause of fraud here and now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/2016, I was contacted by someone trying to pose as XXXX, which is a legitimate company. They reached out via email to me and stated that they would send me a check for {$1700.00} which I was to deposit and and use for when I acted as a mystery shopper ( I have all of the email and text correspondence saved and can be submitted at your request ). ON XXXX/XXXX/2016, via USPS priority express 2-day mail, they sent me instructions on my role as a mystery shopper and a check for {$1700.00} ( I have the check, both in hard copy and electronic form that can be submitted ). The postage account was to a company called XXXX LLC with permit XXXX XXXX. They tried to cut off the return address but it is labeled as " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX-which is the address for the XXXX. I deposited the check into my bank account on XXXX. Due to my concern that this was a scam, I did not proceed until I saw the money in my bank account, which occurred on XXXX. On XXXX, I went to the Walmart on XXXX XXXX XXXX, XXXX IL to send {$1400.00} to XXXX XXXX, in XXXX TX, XXXX via MoneyGram. The reference number is XXXX. On XXXX, I was notified by my bank that the check was not real. I contacted Moneygram but the money had already been received. I spoke with my bank but they were unable to stop the payment or retrieve the money since it had already been distributed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a credit card and loan that is reported on my credit report as closed and charged off, After making deposits into my account with Navy federal they have illegally withdrew {$2300.00} from my checking and savings account, Without prior knowledge! I am a single mother and XXXX XXXX student. I 'm not receiving much income and now will be put out of my home due to this negligence. No one informed me of these illegal practices!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm filing a formal complaint against ALL XXXX credit bureaus. I have been disputing this account since last year. According to the credit bureau it 's coming back verified which is not true. This account is not and never was mine. This company till this day has not been able to verify anything. I have never received paperwork or anything to verify this account. Per FCRA laws, if a company can not properly verify an account and provide paperwork as such. It is to be removed immediately. They have nothing to provide because they have nothing. It is against the law to add or report debt to a person if the account does not belong to them. This company was only able to obtain my email and number due to a BBB complaint. Even after that, they still could not provide me documentation of any kind, not even a address, call log, payment history, NOTHING. Equifax sent me a letter XXXX 2017, stating, that I can not dispute this account anymore unless I provide documentation. How can a person provide documentation to an account that is not theirs. This is against the law and this account is still being reported as such debt that do not belong to me. I have hired an attorney to prepare paperwork and pursue legal action to these credit bureaus for the improper verification of an account that do not belong to me. I 'm beginning to thing the credit bureus, especially Equifax is working with some of these companies. XXXX is not providing NOTHING not even a certified mail. FCRA laws have been broken. I will continue to pursue until this is gone. And I do not appreciate Equifax sending me a letter stating, they will not verify again. This is my credit and I will have it corrected. This is my credit worthiness that affects my life. I am also filimg a formal complaint with the state. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
My loan went into the CARES Act Deferment. When we were coming out of deferment, i had selected to go thru an approved modification offered by XXXX XXXX. 

XXXX then required me to enter into a trial program for 3 months before they would approve this modification. When you logged into their site, this was the only item they asked for payment for, there was no way to pay any other loan, or see anything else was past due. 

I made those payments on time, and it took several more months because of problems with their paperwork ( they would send me one copy of the loan modification, so I would sign it and send it back, and they would say they needed 2 copies. Then they said we didn't fill the form out correctly ) During this time they reported the original loan as past due. Their excuse is that I was making payments on this new loan, while not making my payments on my old loan. I was making every payment I was made aware of.

I had no idea I would have to pay 2 mortgages at the same time to not fall past due on the original mortgage. I have requested they make this accommodation twice, and they have denied it because even though I did make payments, they say I didn't fufill my contract on the original loan. 

While I have gone thru this process, I have made every payment we agreed to on time, yet they have reported me past due as 30, 90, 120, and 150 days on all my credit reports. To me this feels like an accounting error on their part, as there was no way for me to apply those payments to that loan, their payment portal only allowed it to be applied to this new modification. I had no idea the other loan was falling past due while doing this. You can look at my payment schedule and see how I made all the payments on time, but they were applied to this new trial mortgage instead of my original mortgage, which caused the original to fall behind. 

You can see on my payment schedule that these payments are on my account as 'unapplied payments '

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 2022-04-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : ... XXXX XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX  # XXXX T Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # ** *Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX  # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX  # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief