BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am a victim of fraud and mail theft. Discover alleges I have an outstanding charged off account that was opened in XX/XX/XXXX. They referred this account to XXXX XXXX XXXXXXXX XXXX. which is a law firm that specializes in debt collection. This law firm filed suit and a deputy from my local sheriff 's department delivered a Writ of Execution to my home in XX/XX/XXXX. XX/XX/XXXX is the first I have heard of this charged off account opened by a fraudster in XX/XX/XXXX. I have an active account with Discover in good standing that I opened in XXXX. I have no knowledge of any account with Discover opened XX/XX/XXXX. I promptly contacted Discover by phone and after being passed around to several representatives I was directed to their Customer Protection Security Department XXXX. The representative that assisted me in that department conducted an investigation and deemed the account from XX/XX/XXXX as fraud and updated my file ( screenshot to be attached ) to reflect that I have been a Discover customer since XXXX and not XXXX. I'm not sure why Discover and XXXX want to conduct an additional investigation when I was already told by phone that this was fraud and I am not liable for this account. I would like this reinvestigated and I would like the CFPB to be provided with the recorded calls to XXXX on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX where I was advised the account was deemed fraud and my file was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After speaking with numerous customer service representatives in the dispute department at XXXX, my home address still is inaccurate online. However, each time a report is mailed to me it shows an accurate home address. Since XX/XX/2023, my full home address and full name has been changed or updated incorrectly. When a third-part credit reporting entity does a soft pull or runs my credit report, my information pops-up partially, outdated, or totally incorrectly. This has caused adverse decisions when applying for loans and other monetary things that require personal identification verification from XXXX and TransUnion. For example, I was denied a credit card from XXXX XXXX, because they could not verify who I am with the personal information on my consumer credit report from XXXX and TransUnion as well. Currently online, my apartment number XXXX is missing in the personal information section on my XXXX consumer credit report. A copy of my driver 's license and social security card was sent to verify my full home address with the apartment number, and the spelling of my middle name in XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
Upon reviewing my updates, the incorrect items were 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 XXXX, XXXX, and TransUnion were 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 unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
* We purchased home XX/XX/ *Purchase price {$110000.00} *Original loan company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo  *During the XXXX XXXX XXXX was the servicer, I filed XXXX XXXX Bankruptcy. I was in Bankruptcy for 5 years * Bankruptcy was completed and discharged *Mortgage payments were paid through the bankruptcy plan for 5 years *After I completed the XXXX XXXX  plan, I refinanced the mortgage loan for a lower interest rate *The payoff balance that XXXX dba Wells Fargo gave XXXX XXXXXXXX XXXX for payoff was {$97000.00} which was the incorrect amount XXXXXXXX XXXX sold the loan to XXXX XXXX and XXXX sold the loan to XXXX XXXX * I now have an FHA loan and have lived in my home one for 18 years XXXX XXXX  shows my current loan balance as {$94000.00} *We have paid more than {$6000.00} in principle and interest in 18 years *Due to a major clerical error, we are paying this mortgage twice *I have tried to resolve this error with the mortgage company with no avail. 
*My bankruptcy record needs to be pulled to compare the total amount paid through bankruptcy to XXXX verses the ending balance when I completed bankruptcy and refinanced with XXXXXXXX XXXX. The mortgage balance was incorrect by thousands. 
*Clerical error occurred during my bankruptcy payments to XXXX and Wells Fargo

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries that do not belong to me or were opened without my permission : 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  ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect items were 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 XXXX, Equifax, and XXXX were 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 unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
You have 100 % left to pay on this collection. 

Balance {$1500.00} Highest Balance {$1500.00} Opened XXXX XXXX, 2021 ( XXXX yr, XXXX mo ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Closed No Info

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate the account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below :XX/XX/XXXXXXXX Balance : {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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 sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-09-05
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a new account with Venmo. I have made my payments in XXXX of {$150.00}, {$200.00}, and {$500.00} dollars because I have been using my venmo card and I was paying down the balance. I have used my checking account to make these payments and all payments minus the {$500.00} payment has directly went to my card. I made the {$500.00} payment on XX/XX/XXXX and it still has not shown as credit on my card, which means I am still paying interest on items that I should have paid off. It also means that on the XXXX the payment cleared my checking account so they have gotten the full amount but still have refused to apply it to my credit card. When I called Venmo they said they can't do a thing. I asked to speak to a manager and they put me on a 45 minute hold until I finally gave up. I have written to them and asked them to release my money to my account and they said I only deposited {$300.00} dollars and it was released, when my banking account and my credit card account both show {$500.00} payment. I have tried multiple times to have them release my money onto the credit card account they refuse to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: SC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$2100.00} ; US DEPT ED XXXX Balance XXXX {$4200.00} ; US DEPT ED XXXX Balance : {$4400.00} ; US DEPT ED XXXX Balance : {$9300.00} ; US DEPT ED XXXX Balance : {$2100.00} XXXX US DEPT ED XXXX Balance : {$3700.00} ; US DEPT ED XXXX Balance : {$4100.00} ; US DEPT ED XXXX Balance : {$10000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$7500.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX {$420.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
in XX/XX/2021 i had a water softening system installed. i asked for the documents and contract which i never recieved. i contacted them a few times and i always got a someone will reach out to you but never did. i was suppose to get a year supply of soaps but never did and without a contract i cant dispute it with them, even though no one calls me back except to say that if i dont pay im going to lose my house. now verbally that was not an issue they never told me it was a loan on my house. never told that or i wouldnt have got it. i never had the chance to cancel the system cause its hard to get a hold of someone or somene calling me to address this. now its on credit report under home loans. was not told or do i have a contract that shows this.they system doesnt work well its not quiet and they put a whole in my garage and they nevr came to fix like they said they woukd

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; 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 2023-09-03
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contested over 4 times a debt accrued last XXXX of XXXX under XXXX XXXXXXXX, with XXXX XXXX XXXX trying to set collections out for the amount. I never took out the amount, and have told them that my mother has used my information to take out credit under my name in the past and to look into her being the perpetrator. As of XX/XX/XXXX, my XXXX XXXX XXXX and have yet to receive a death certificate from the coroner for it to be able to send to anyone of her untimely passing. I have told them this is the best lead to whoever took this credit out in my name at that time, and have been stonewalled, no more communication from them, just a mark on my credit for the amount in 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 explanation