BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-27
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:
Hi I am a victim of identity theift since XXXX I am XXXX and so is my XXXX son so it 's very hard for me to keep fighting this but I believe in XXXX so I 'm am not gon na give up. A few years ago my identity as well as my sons was stolen at first I thought it was my ex husband who did it because he was XXXX out of the country for identity theift but he 's been gone XXXX now and it 's still happening. First I started getting mail stating that I applied for credit when I did n't and then the calls started causing me to go into a deep XXXX. Then my son was having medical problem do to the environmental surroundings so I had no choice but to move then I applied for an apartment only to find out that I got denied. I thought how could that be so I ordered my credit report and got the shock of my life someone had destroyed my name completely there were XXXX credit inquires in 2 yrs and 5 delinquent accounts that did not belong to me how could this be. So now I am stuck in a home where my son can not XXXX  properly because someone destroyed my name. My son is my life and I need to moved but these credit agencies are reporting false information I started contacting them since XXXX and have explained my story. My son is XXXX and he is having all kinds of medical issues do to this as well as myself. I myself am currently extremely XXXX because someone has taken over my life. I am begging you to make these agencies remove these items I have given them police reports and everything but they refuse to remove these fraudulent items that do n't belong to me. All the delinquency accounts are not mine as well as the credit inquires I requested that no credit even be considered unless they call my cellphone to verify. Please make these people remove these items so that I can move my XXXX child somewhere he can XXXX and be comfortable I thank you for taking the time to read this. I truly believe in XXXX and that somehow the true will be seen.

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 2017-08-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Filed complaints about XXXX equifax and XXXX all 3 were asking for proof of who i am so i finaly sent all 3 a copy of my state id proof of address by social security mail from social security i happy to say XXXX finaly sent me my credit report but equifax an XXXX are still asking for more proof and refusing to send me what they have on my reports what i sent i sent to all 3 credit companies it was good enough for XXXX why not the other two agencies?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to update my prior complaint with Citizen 's bank. I want to provide more information to you. 
XXXX I spoke directly to XXXX XXXX XXXX who told me he would contact me in a few days to discuss a possible modification again of my current mortgage. That was in the middle of XXXX ; please see attached Email follow-up. 
He instructed me NOT TO PAY the XXXX mortgage or pay going forward until it was straightened out since my payments were being denied and sent back. 
It is now XX/XX/2022, and my next payment is due. I am being notified by the credit bureaus that my score is dropping because I am being reported late. 
I have sent 2 emails to the address he gave me, both have gone unacknowledged - I have no idea if they are being opened, received, or what is going on with my case. I have tried to call but I have been unable to reach anyone. I am starting to panic as this is exactly what happened prior to my first complaint, no one did anything and I was reported making late payments to the credit bureau. I have been denied a credit card, and it is embarrassing. 

I have attached 2 mortgage statements- showing that Citizens did not record my mortgage payments which were made on time. 
Specifically - look at the XXXX statement- it shows NO PAYMENTS for the mortgage for XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/2022. I am attaching proof of those payments made electronically directly to Citizens and cashed. They reported me as late to the credit bureaus. 
I modified my mortgage, they told me to make the payments, then they refused them. Reported me as late, charged me an extra {$70000.00}. I am sick about this. 

XXXX XXXX asked me for this information and would get back to me over 2 weeks ago at the end of the week. I have heard nothing. 
I was told not to pay XXXX and now it is XXXX, I am sure no one will believe me, but the line was recorded. I just don't know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have contact Experian, XXXX and XXXX about this issue and have given them supporting documents towards my claim

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 2017-08-27
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX is taking me to court over a supposed credit card debt that, I do n't recall signing for. I have sent three letters to XXXX XXXX asking to show proof bearing my signature of a such loan with their company with not response. Next I sent another letter asking them to show proof of my signature on anything agreeing to open an account with them with no results. Now I am being taken to court with no discovery of such debt nor information of such a debt paid for by them or bought with an act of sale with care credit. Not sure how they are authorized because in the disclosure it states the binding agreement is with Care credit, I have disputed this bill and the amount. XXXX XXXX is not a bank or credit lender and not authorized to file such a suit from the state of Delaware. The company or attorney 's are in XXXX XXXX an not authorized to practice law for the state of Delaware. I want all actions of lawsuit to cease and stop. I want to file suit against XXXX XXXX for false discovery an not providing proper sale of such said item not bearing my signature of any money owed to them what so ever the attorney 's office is XXXX XXXX XXXX XXXX XXXX. Or XXXX, XXXX XXXX XXXX. XXXX XXXX Louisiana, non licensed to practice for the state of Delaware. Telephone 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 explanation
Consumer complaint received 2022-09-02
Company: SUNRISE CREDIT SERVICES, INC
State: PR
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 received in my credit report, a debt report of SunriseCredit Services for an amount of {$170.00}. This was made by XXXX XXXX XXXX as the original creditor. The company is located at NY. I live in XXXX and havent been to NY in years. It says it opened on XX/XX/2022.

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 2022-09-02
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is in regard to Navient Multistate AG Settlement, as shown on NavientAGSettlement.com website. The site states that settlement includes {$1.00} XXXX in debt cancellation and {$95.00} XXXX in restitution. It states that Navient will contact us by XX/XX/XXXX along with cancellation and refund for payments made on the cancelled amount. My private student loan serviced by Navient was consolidated into federal student loan in XXXX. All the conditions of the settlement and abuse from Sallie Mae/Navient during the years stated in the settlement apply to me. I received the {$260.00} restitution check, but no word about the cancellation portion. I called the number in the letter from AG, XXXX, to inquire about my case, I was told to call Navient at XXXX, which I did, but they had no information either and told me to contact State Authority, which I did too, called AG office at XXXX, which they had no information either, so I asked to meet with the AG, and left a message for his assistant and Im still waiting, no response back. I contacted my current student loan servicer XXXX who was very hard to reach and when they answered they had no information other than just update your personal information. My loan was for about XXXX XXXXXXXX and now it is XXXX XXXXXXXX, even though I made over 60 payments, due to Navients abuse. I contacted DOE and didnt get any information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
There is a public records on my credit report with XXXX stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: EQUIFAX, 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:
Hi I am a victim of identity theift since XXXX I am XXXX and so is my XXXX son so it 's very hard for me to keep fighting this but I believe in XXXX so I 'm am not gon na give up. A few years ago my identity as well as my sons was stolen at first I thought it was my ex husband who did it because he was deported out of the country for identity theift but he 's been gone XXXX now and it 's still happening. First I started getting mail stating that I applied for credit when I did n't and then the calls started causing me to go into a deep XXXX. Then my son was having medical problem do to the environmental surroundings so I had no choice but to move then I applied for an apartment only to find out that I got denied. I thought how could that be so I ordered my credit report and got the shock of my life someone had destroyed my name completely there were XXXX credit inquires in XXXX yrs and XXXX delinquent accounts that did not belong to me how could this be. So now I am stuck in a home where my son can not breath properly because someone destroyed my name. My son is my life and I need to moved but these credit agencies are reporting false information I started contacting them since XXXX and have explained my story. My son is XXXX and he is having all kinds of medical issues do to this as well as myself. I myself am currently extremely XXXX because someone has taken over my life. I am begging you to make these agencies remove these items I have given them police reports and everything but they refuse to remove these fraudulent items that do n't belong to me. All the delinquency accounts are not mine as well as the credit inquires I requested that no credit even be considered unless they call my cellphone to verify. Please make these people remove these items so that I can move my XXXX child somewhere he can breath and be comfortable I thank you for taking the time to read this. I truly believe in XXXX and that somehow the true will be seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
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: Public record information inaccurate

Complaint:
There is a public records on my credit report with Equifax stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted Equifax and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. Equifax continues to report false information. 
I 've also contacted the organization that Equifax claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent Equifax along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The XXXX  system doesnt not provide complete social security numbers because it would be against privacy laws. Similarly companies such as XXXX, XXXX, and other third-party sources can not be 100 % accurate in the provision of their information to credit reporting bureaus because it would be against the fair credit reporting act. For the credit reporting bureaus to make this claim it would that my privacy most certainly has been violated. The CFPB is designed to protect my privacy and false reporting of information these bureaus can not claim to have. 

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: BANKUNITED, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased our house located  XXXX   XXXX , Texas on   XXXX   XXXX  . The loan was initially with   XXXX   XXXX   XXXX   and then with   XXXX   XXXX  , and then was transferred to  BankUnited on     XXXX   XXXX   XXXX  . Shortly after that, the  Insurance Dept. fro m  BankUnited infor med that our property needs a flood insurance. We sent them  two mail s on   XXXX   XXXX  ,  XXXX  to explain that we had a  Survey from house builde r,  XXXX   XXXX , showing that the house is not on the flood zone. In those mails, a certified SFHDF ( Standard Flood Hazard Determination ),  FEMA Fo rm  XXXX , dated on  X/XX/XXXX , which we submitted to  XXXX  at loan application, was also included to show that the house is marked as zone " X '' on the Flood Map and require no flood insurance. The answer from  BankUnited t hen questioned that the SFHDF we provided was issued on   XXXX  , few months before   XXXX   XXXX  , and so might be out of dated. To respond to their and our questions, we requested for another  XXXX , dated on   XXXX  , again showing our house is on zone " X '' and needs no flood insurance. Meantime, we also contacted    XXXX   XXXX   Floodplain Dept. Manager,    XXXX   XXXX  to clarify. He sent us an email with proof, maps to show us the house is actually on zone "  X '' .. On   XXXX   XXXX  , we  sent them another mail and provided all these findings and proof. Since then, no words from  XXXX . Until, end of   XXXX   XXXX  , when we received the annual Escrow Account  Disclosure Statement, w e surprisedly found that {$1600.00} was charged for flood insurance payment. We called  XXXX   XXXX ,  manager of Insurance Dept., BankUnited, to disc uss the case and request them to reimburse the mischarged {$1600.00} back to our escrow account. She said they will do some investigation about the case. Since then, weeks after that, we called her twice a day to follow up. The answer from the  Dept. has bee n always " She is not available and no one else can be responsible for the case. '' We have no other way to do but file this complaint to pursue a justice and our {$1600.00} back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I pull my credit report and it shows the last payment on my mortgage XXXX/XXXX/XXXX and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.

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 2022-09-02
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
There is a public records on my credit report with XXXX   stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX  and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX   continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX  along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.

Company response to consumer: Closed with explanation