BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE 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 2023-10-11
Company: Upgrade, Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH FCRA THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

UNDER 15 USC 1666 B A CREDITOR CAN NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN & CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XX/XX/2023 I sent a dispute to Equifax regarding some collection accounts that i had questions about. I dont believe such accounts belong to me and they have yet to respond to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I've subscribed to this online pay service with XXXX for decades. Just recently I had fraudulent activity on the checking account at XXXX XXXX  used to make all online payments against. As result that account was closed and a new checking account opened. But, before I could update checking account on XXXX site {$1200.00} payments were made in automated payments to XXXX, XXXX  XXXX, and XXXX from previous closed checking account by XXXX. XXXX  has blocked my online service, refusing me any ability to update checking account to be used now or in future until creditors return payments made. Creditors refusing to do so ( even if I give them payments from alternative sources ). They will simply apply that against balance. 
XXXX willing to assist in correcting situation.

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 2022-11-21
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:
This company XXXX XXXX XXXX is reporting an inaccurate information on my credit report. Also, there are unauthorized inquiries on my report, I was not aware of these and I want the information removed because it is damaging my credit and violates my FCRA.

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 2023-02-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank suddenly closed my Costco Anywhere VISA card after I successfully shopped at Costco gas station by using this card. The closure notification says my account was inactivate but I just used my card! And there is no warning email or mail sent to me in advance to remind me to use the card otherwise it will be closed. 

The attached XXXX statement showed no account close info, but it showed {$69.00} in balance. Why say the card is inactivate? 

By the way, the authorized account user is the Citi Gold client.

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 2023-08-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered while using the Paypal XXXX XXXX, which is managed by Paypal and XXXX XXXX. As an agency dedicated to ensuring fairness and transparency in financial services, I believe my experience warrants your attention. 

The problem I am facing revolves around a technical error on the Paypal credit card website that prevents me from making payments or setting up auto-pay. Whenever I attempt to perform these actions, a message appears, stating, " Sorry, there was a technical error. Please try again later. '' This persistent issue has left me with no viable method for setting up auto-payments or making manual payments, other than resorting to calling Paypal every month. Such an inconvenience goes against the very essence of efficient and user-friendly financial management. 

I have diligently reached out to XXXX XXXX, Paypal, and Paypal XXXX  in attempts to resolve this issue. Regrettably, each entity seems to pass the responsibility to the other, and there appears to be a lack of internal communication regarding this matter. This predicament is particularly frustrating as it contradicts the core principles of ease and accessibility that Paypal strives to provide its users. This prevents me from making informed decisions about managing my credit card bill, an essential aspect of responsible financial planning. 

I find this situation utterly unacceptable, as it severely impacts the usability of the Paypal XXXX XXXX If this technical flaw persists, it undermines my confidence in using Paypal 's services altogether. The ability to manage my finances efficiently is a fundamental expectation when dealing with financial institutions, and the current circumstances fall far short of meeting that standard. 

I kindly urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Paypal, XXXX XXXX, and Paypal XXXX take the necessary steps to rectify the technical error promptly. Consumers should not be burdened with the task of navigating complex communication channels to resolve issues that hinder their financial stability. 

Thank you for your time and attention to this matter. I appreciate your commitment to safeguarding consumer interests and promoting fair practices within the financial sector. 

Sincerely,

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 2022-10-11
Company: EQUIFAX, INC.
State: SC
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 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 XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Sequium Asset Solutions, LLC
State: CA
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:
This was the email sent to this company that received my identification as a third party to attempt to contract with the Executor that has privately discharged all debts and has protect all of his assets by a XXXX lien filed and accepted by the superior courts. Which ever company violated my Due Process of law and illegally gave my personal information to this third party without my consent should be investigated immediately and this bound to the Fee Schedule filed to the court on XX/XX/XXXX. Here is the letter sent to this company and is considered to be a Notice before they violate my Fee schedule and copyright infringement. 
I received a call from this agency on XX/XX/XXXX. Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal ; Applicable to all Successors, Assigns, and Agents : Silence, when there is a moral or legal Duty to respond, constitutes Agreement. 
I never gave consent nor have I contracted with this company. I would like to know why this company is calling in regards to my trust information. I demand within XXXX hours who gave my personal information to this third party debt collector ( Identity Theft ). If you believe my trust owed any money to the previous debtor I want to Thank This Company for paying off any loans my trust had contracted with the previous debtor. Your company was tricked into believing my trust was the debtor and not the Creditor and you paid whatever for a loan that was already discharged by the IRS and State Treasury. I demand the payoff amount this company paid and to whom, full disclosure of the contract and what is your authority and jurisdiction to operate in this capacity. This is a Notice making sure your company knows my assets are fully protected by Affidavit ( XXXX ), XXXX and a Fee Schedule and will be presented to your company if they choose to steal my private property. Your Debtor forgot to tell you of the Affidavit ( XXXX ) and you paid off whatever debt was owed. As it appears right now this company is in violation of Due Process of Law and is operating as a Executor XXXX XXXX XXXX while and are attempting obstruct of Commerce and violating these laws, 18 USC 241 and 242,15 U.S. Code 1692e, 16 CFR 433.1, 12 CFR 1026.13, 16 CFR Part 314, The Fourth Amendment and Fifth Amendment. I am giving this company 48 hours to respond to my demand otherwise I will start with a public report on the CFPB followed by the FTC, SEC and the IRS. I the Living Man I Reserve All Rights without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
First of all thank you for responding my complaint, NATIONSTAR MORTGAGE LLC responded to me stating they do n't have anything to do with my loan due to the INVESTOR THE BANK XXXX XXXX XXXX own my property now.Nationstar Mortgage LLC. wanted me to informed CONSUMER FINANCIAL PROTECTION BUREAU about THE BANK XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, NEW YORK XXXX. 
TEL. XXXX XXXX XXXX XXXX Although Nationstar Mortgage LLC agreed they will be responsible for responding to any concerns regarding the servicing of the loan which include ; 1.Validation of debt in which untill now they did not respond to my request dated XXXX XXXX. 
2.Forclosure process - I was sending documents Nationstar Mortgage LLC., last document dated XXXX but i was already forclose XX/XX/XXXX without giving me a notive.DUAL TRACKING. 
3.Payment assistance and modification-I was denied every time, not giving me a chance and I did try my best to make up payments. 
Again NATIONSTAR MORTGAGE LLC adress XXXX. XXXX XXXX, XXXX TEXAS XXXX, telling me we have to deal with THE BANK XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  12. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.

( Original Creditor : ) XXXX Balance : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX 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 non-monetary relief
Consumer complaint received 2016-03-16
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a payoff quote for my mortgage. I received the quote via email. I then paid the entire sum. A few days later I received via email another " payoff '' quote stating that I owed {$250.00}. When I contacted the company they did n't really explain what the additional amount was for. To clarify whether or not I had paid the correct I returned to the original email containing the " first '' payoff quote. It had been changed to {$250.00}, and not the original sum. This is fraud. A company should n't be able to change an original document in an attempt to mislead people into making " extra '' arbitrary payments. The company is Nationstar Mortgage. In addition, during the time I had the loan I paid the payments online the first of the month when they were due. However, despite making timely payments I would receive a monthly statement saying that I paid the mortgage late, and that I owed an additional {$40.00} late fee. I believe this is also FRAUD. It certainly is dishonest. It is possible that other people made unnecessary payments after receiving these statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting 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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX FIN XXXX XXXX XXXX {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}

Company response to consumer: In progress
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score

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