BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
We bought a mobile home in XXXX Id. They would n't let us see the place till we signed all the paperwork. No cell phone service or land line.They knew about XXXX XXXX medical condition needing a phone.There was holes in the skirting. Also air was in water lines.The kitchen sink jump all the time and had to try to start it a couple of times to get water. We had satellite tv and it would come up no signal.

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 2020-03-28
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that SYNOUSBK/XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I could progress with purchasing my first home .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I noticed these fraudulent reportings on : 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 XXXXXX/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 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
REFERENCE TO COMPLAIN CASE NUMBER XXXX ATTACHED A COPY MY UTILITY BILL TO PROVE THAT THE ACCOUNT DOES NOT BELONG TO MEDear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this debt. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay debt in the sum of {$45.00}. The debt I did not own, the debt that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00}. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number Transunion and XXXX kept saying the investigation stated that the account was mine. 
THIS DEBT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: CITIBANK, N.A.
State: VA
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:
Home Depot  sold an account to  XXXX   XXXX   XXXX    XXXX   in the amount of {$930.00} and they have been contacting me all times of day and night and threatening to sue. I have no written or signed contract with  XXXX   XXXX . I have made all  XXXX  credit bureaus  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  aware of this matter, yet they continue to report inaccurate information on my report. This matter has become a troublesome situation for myself and my family. Any help in assisting me with this matter is greatly appreciated.

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 2022-04-12
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No XXXX release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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:
I am writing to delete the following information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report, i was affected by hurricane Ida and need a new place to move into but these fraudulent reportings are holding me back from obtaining housing. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these fraudulent reportings on ; 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 filed a identity theft report here is the number FTC report number XXXX I asked to please have these fraudulent inquiries removed XXXX  XXXX XX/XX/2021XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX  XXXX  XXXX  XX/XX/2021 XXXX  XXXX  XXXX  XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 2021

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 2015-05-24
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened a Barclay Card Financing credit card in XXXX XXXX and charged {$2200.00} on it. I paid {$200.00} a month and paid it off by XXXX XXXX ( last payment on bank statement attached ). I tried to use the card over the XXXX holiday XXXX but the expiration date was XXXX and it took me XXXX tries to get the correct card which I received after the holiday. I have not used the card since XXXX XXXX as I am paying down my other credit cards. ( I had XXXX in XXXX and was just getting back to work in XXXX ). I received a letter from Barclays XXXX XXXX stating they have closed my account for inactivity ( attached ) and they informed me in a letter after they closed the account. I contacted Barclay with my biggest concern which is that my credit report that I 've tried hard to improve will be adversely affected. They agreed that it will adversely affect my credit report but said they ca n't do anything about it. I waited over XXXX minutes to speak with a supervisor who never came on the phone. I feel this is completely unjustified. After having a sizable balance, paying it off consistently and with a higher than required monthly payment, paying down my other cards so that I can be free of debt and a responsible consumer, I am being penalized by Barclay for no good reason expect pure greed and consumer malice. I feel that Barclays Bank is encouraging irresponsibility with the intention of greed and getting away with it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX hard pulls in my credit reports that I did not authorize. XXXX are from before I turned XXXX. Also, on XXXX of my credit reports there is an address that is not/was never mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C. Section 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for any purpose.

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 2022-09-06
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C. Section 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: NC
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:
Experian reporting agency is not reporting accurate credit history, that I have established credit, and inaccurately reporting that I have a collection/judgement on my report. This is based on information I received from an adverse credit decision that was not approved due to this report. I am current with all of my accounts, should not have any collections to be owed in my reports, or judgements.

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 2017-05-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage Ser vices LLC Loan No.  #  XXXX   Phone No . #  XXXX  Ext :  XXXX  Fax :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX  was my first and only lender until   XXXX   XXXX   XXXX   XXXX  bought  XXXX   XXXX   XXXX  on about  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   Loan No.  #  XXXX  Sold my loan to Carrington Mortgage Servic es LLC Loan No.  #  XXXX  I received the Carrington Mortgage Service s LLC inform ation on Friday  XXXX  when I called   XXXX   XXXX   XXXX   XXXX  to check on my Short Sale status which was currently in effect and past approved by both   XXXX   XXXX    XXXX  and my second,  XXXX ..       XXXX   XXXX    XXXX  sold my loan while the Short Sale was approved, complete with a buyer.     Now that Carrington Mortgage Servi ces LLC bought my l oan and in my opinion cant produce the following documents because in my opinion,   XXXX   XXXX    XXXX  never had them and also refused to produce them for me, therefore Carrington Mortgage Services  LLC  in my opinion doesnt have them and wont be able to produce them as well.     Would you please ask to Carrington Mortgage Service s LLC to   produce the following item s : 1.  The  XXXX   XXXX   XXXX  to   XXXX   XXXX    XXXX  Assignment of the note in Deed of Trust.      2. Th e Chain of Title from  XXXX   XXXX   XXXX   to    XXXX   XXXX    XXXX  to Carrington Mortgage Services LLC.      3. Copy of the Recording of De ed of Trust in  XXXX   XXXX .      4. Copy of the Merger with a list of the assists and UC1  filing.      5. Also,  if any of these documents show up, Im requesting a  Federal Officer examin e the ink on the date to determine if its appropriate for that month and year.      6. What amount of money did Carrington Mortgage Services LLC  pay   XXXX   XXXX    XXXX  for my loan?     Thank you for your attention to this matter.      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I called them and they agreed to remove from my account in stead the are reporting the following which is wrong Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Student Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 180 Months Monthly Payment {$18000.00} Responsibility Co-maker/Signer Balance {$18000.00} Highest Balance {$15000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due {$18000.00} Times 30/60/90 Days Late XXXX Remarks Charged off as bad debt Profit and loss write-off

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 2017-05-23
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a complaint to CFPB about  US Bank a nd without any proof provided by company ( records, bills any proof ) you closed account agreeing with Bank while not basing your closing on any evidence which I alone provided. The company lied as proved by my attachment which showed that account was n't closed and still listed as open with credit available to this day. This immoral acts done against consumers always happen wh en GOP in  power. It 's too bad that the CFPB has been housed with people who do n't believe consumers should have any power versus banks.

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 2022-08-17
Company: Bepensa Capital, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credito Real USA is reporting a debt on my consumer report. I disputed the debt, in which they responded to me advising that the debt is owed. I responded to Credito Real USA conditionally accepting their claim and advising them that I wanted to settle the debt as soon as possible and asked for additional information, however they refused to comply with providing me with my request and they refused to remove the debt from my consumer report damaging me and my credit and my family. I have been in honor and they're acting in dishonor making threats that they will not respond to me any further and advising me that my letters to them are " frivolous '' and " repetitive ''. They claim they have answered me via certified mail and failed to provide any tracking number or anything that supports their claim and the debt continues to damage me and my ability to purchase a home for my family and me. I have done all in my power to attempt to ethically pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As of XXXX XXXX, I became aware that I am a victim of identity theft. I have since filed multiple claims against Transunion, one of which was my disputing a large number of items on my credit report. I have spoken to a XXXX XXXX on now two occasions within the past week. First off, it is almost impossible to even get through to the department that handles my file. What this means is that I always have to go through at least XXXX departments each time, get hung up on or disconnected 3 times and then every so often find my way back to the " Complaint Management '' department FKA " Priority '' department. At this juncture, you leave a voicemail ( assuming it 's not full ) as of about an hour ago. The times I have spoken with XXXX XXXX she has conveyed to me that she unable to give me any updates as to the status of my disputes. However, what she has stated is that she can speak with me over the phone concerning my " contact '' information, hence why I am sending this claim today. In my initial CFPB claim ( XXXX ), I thought I was perfectly clear in how my name, address ( s ), phone number should appear on my credit file. As of this morning, this has yet to be done accurately. I have also supported the necessary documentation to validate such " accurate '' information. Also, I currently have an extended fraud alert with a consumer statement that clearly still shows an inaccurate phone number to which I have never had. I need the following to be updated " accurately '' and " immediately '', Please : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone Number : ( XXXX ) XXXX XXXX ) Extended fraud alert either removed entirely or to include the " accurate '' phone number listed above, ( XXXX ) XXXX. 
3 ) Credit Freeze removed I would also like to request that the results be emailed to me versus taking an additional 7-10 days for a hard copy. If that is possible, my email address is XXXXXXXXXXXX. 

This has been an arduous process to say the least. I would greatly appreciate help concerning these " issues ''. 

Thanks, 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 2016-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is unwilling to let me dispute clear and mistakable errors reporting on my credit report. I have personal information that is not mine and a error on an account that is not reporting correctly that I want corrected immediately.

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