BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-23
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying for the modification to my home that was underwater in the beginning trees caused many damaging plumbing problems. Next was an electrical fire my son had XXXX XXXX XXXX XXXX and XXXX XXXX. 
nationstar. Who is now Mr Cooper has stolen my private information saying I did in fact get the modification and after sending them over XXXX in cashiers checks, they say it was all a scam. Only there employees that called me to confirm had all my private information. My attorney has tried to resolve this. But they will not litigate with me. After all they have done to a single woman with XXXX children suffering and more. .. The people need to know how they will be treated by this deceiving company. And leaving me hanging here for 6 years. And still no modification with the hundreds of programs available. But There is not one for me. 
Absolutely no help!!! 
I hope this will be going public, my attorney is ready for federal court. 
They lie lie lie. 
and have terribly rude customer service representatives.. 
XXXX XXXX of XXXX Utah

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2023 Chase arbitrarily reduced the credit limits on my XXXX credit cards. This eliminated over XXXX from my available credit and drove my credit utilization up to almost 70 % in a single day resulting in a nearly XXXX point drop on my credit score driving me into a poor range putting me at risk for negative repercussions from other lenders. 

In addition Chase dropped my credit limit below the current balance on one card, ending in XXXX, below the current balance putting me over the limit on that card which i think is against the law. This resulted another ding on my credit report after the initial hit from the reduced limits. 

I called the bank and they gave me normal generic justifications. Then asked me why I had increased the usage of my card ending in XXXX over the past 6 months. I increased usage because the bank offered me an unsolicited very low promotional APR during that period. Basically they used my response to their promotion in part to penalize me. 

Nothing has changed in my income, credit lines, payments to justify the reduction. It is a financially damaging situation dropped on my by the bank. I understand it is no fully illegal but it should be. No business should have the power to arbitrarily take actions that will result in financial harm to an individual that has maintained a good standing in their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXXXXXX, XX/XX/2020 {$280.00} XXXX XXXX XXXXXXXX, XX/XX/2020, {$200.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/2020, UNKNOWN ALL ACCOUNTS ARE FRAUD NEVER APPLIED OR GAVE CONSENT TO OPEN ACCOUNTS

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 2023-02-08
Company: EQUIFAX, INC.
State: IL
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/2023 to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$290.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting 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:
On XX/XX/2022 someone used my information to apply for a credit card with XXXX XXXX and XXXX. I disputed that inquiry through XXXX XXXX To this day it is still showing on my Equifax report, which of course has a lower score than it should due to this. I have never applied for nor had any interest in a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Attention XXXX XXXX : I applied for an American Express Gold Card on XX/XX/2023, & was denied. Regardless of the reason for being denied, I have the right to credit. Im giving you SECURED INTEREST inside my estate ( Treasury ). My application is a SECURITY, which is SECURED by MY ( Social Security Number ). You are SECURED by going into business with me. Withholding access to my securities is security fraud. Youre violating the equal credit opportunity act & consumers credit protection act. This entire consumer transaction ( Credit Card Is For PERSONAL USE ) is predicated on my unlimited credit. 
( Title 15 Subsection : 1611 Faults & Misleading Denial Of My Own Credit ) Since you are denying me my own credit, please retract my application. Thank you! XXXX XXXX : Attorney In Fact For : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Synovus Bank
State: IN
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:
FIRST PROGRESS account number XXXX i was told that this account was verified how was this account verified when it showed incorrect dates and payment amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Pertaining to Vehicle XXXX XXXXXXXX XXXX XXXX, Wells Fargo has been allowing XXXXXXXX XXXX XXXX XXXXXXXX family to unlawfully credit their account with XXXX. XXXX XXXX XXXX XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly notes for the XXXX XXXX XXXX from XXXXXXXX XXXX XXXX. 

The Correct tender has been sent to said party to correct for set off Several forms of written correspondence has been sent to Wells Fargo Auto, along with endorsed contract with tender or payment for full remittance. 

Wells Fargo has violated many consumer laws. 

1099a filing to the IRS was accepted.

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 2023-05-25
Company: Experian Information Solutions 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:
Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$82.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To my dismay, it has been well beyond the allowed timeframe of 60 days, and I have yet to receive any meaningful information regarding the status of the investigation. I submitted a dispute regarding fraudulent accounts on my credit report, clearly indicating that I am a victim of identity theft. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are obligated to investigate such matters and provide resolution within a reasonable timeframe, not exceeding 30 days, with a potential extension of 15 days under certain circumstances. The lack of communication and transparency from your bureau is not only unprofessional but also in violation of the regulations set forth by the FCRA. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I demand an immediate and thorough review of my case, along with the removal of the fraud accounts from my credit report or, at the very least, a suspension of their reporting until this matter is adequately resolved. It is evident that these disputed accounts are a result of identity theft, as your bureau has failed to verify their validity within the stipulated timeframe. 
XXXX XXXX XXXX -PLEASE DELETE!!! 
XXXX XXXX XXXXPLEASE DELETE!!! 
I have diligently provided all necessary documentation to support my claim of identity theft, yet there has been no evidence of the bureau 's effort to verify the validity of the fraud. This lack of action is not only unacceptable but also indicative of a serious lapse in your bureau 's responsibility to protect consumers from the damaging effects of identity theft.

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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is in reference to complaint XXXX. I stated that I do not recall opening an account with this creditor and sent you proof that I was a victim of identity theft from the XXXX breach and yet this account is still reporting. You have replied that the account was updated when I requested for it to be removed. I have asked for a contract bearing my signature along with a copy of my id and ssc, but nothing has been sent so how are you verifying this account as accurate. I was involved in XXXX data breach in 2017 and I do believe my information was compromised. You have failed to verify this account and continued reporting an account that may have been opened due to fraudulent activity. If this account is not removed in 1 days, I will move forward with suing your company. I am well aware that each FCRA violation is {$1000.00}. Immediately remove account 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 2023-11-04
Company: MoneyLion Inc.
State: MS
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:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b such company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 This company listed below, used mis-match information to open an account fraudulently, with incorrect information, I have since disputed and proven the personal information and it has been removed from some but not all credit bureaus. However the fraudulent accounts associated with the personal information have not been removed. XXXX opened XX/XX/XXXX with late payments, XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX and XX/XX/XXXX. I have never been affiliated with these businesses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud said company had 4 days according to the law to remove such items. FTC fraud report on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an e-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing for 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions 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:
I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry

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 2023-10-06
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX # XXXX Inaccurate reporting showing different dates of last activity, also showing different dates of opening and last dates report on all XXXX major credit reporting agencies. 
account showing a past due amount of {$490.00}. 
why is this account being reported inaccurately. 
this is a violation of the FCRA section 15 use 1681 2 ( a ) ( 1 ) ( F ) and is also in violation of requisite METRO2 Compliance implemented with the XXXX enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or a list of inquiries : 15 U.S.C 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: CA
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 was a victim of identity theft... bureaus refuses to remove the information off my credit report

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 2023-10-06
Company: EQUIFAX, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX Balance : {$9900.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$790.00} XXXX  XXXX Balance : {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: Affirm Holdings, Inc
State: MS
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:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b such company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 This company listed below, used mis-match information to open an account fraudulently, with incorrect information, I have since disputed and proven the personal information and it has been removed from some but not all credit bureaus. However the fraudulent accounts associated with the personal information have not been removed. XXXX opened XX/XX/XXXX with late payments, XXXX XXXX opened XX/XX/XXXX, Affirm opened XX/XX/XXXX and XX/XX/XXXX. I have never been affiliated with these businesses.

Company response to consumer: Closed with explanation