BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX credit card was stolen and purchase was made at XXXX in XXXX Pennsylvania on XX/XX/2022 the stolen credit card was used at the XXXX  in the amount of {$530.00}. 
A police report was filed with the State Police of NJ. 
The credit card company sent text messages to my cell phone alerting me of fraud and I replied No, to not approve the charges. The card was frozen and closed but the charge was not removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: PA
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:
Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX  XXXX Balance XXXX {$600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: MT
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:
I did not give the credit reporting agency written permission to report the following reports : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Congress said that the bank system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. You have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. You assumed a VITAL role, and this is a violation of my privacy-I never gave authorization to report this ever to you directly. Delete this account immediately. An investigative report is suppose to be fair for the consumer and alsi is not suppose to include factual information on a consumers credit record obtained directly from a creditor of the consumer, delete this account from my consumer report. You might not want to be tied to this account, because I have put XXXXXXXX XXXX XXXX on notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Scratch Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have noticed that my consumer report contains information that is a result of identity theft. I did not provide any written permission or instructions for the transactions to report on my consumer report. Therefore, pursuant to 15 USC 1681c-2 ( a ), I am requesting that the reporting of this information be blocked and deleted. This request to block is not being made in error and is not based on any material misrepresentation of fact by me that is relevant to this request. The identified transactions are not information related to any transaction by me as the consumer : Account Name- XXXX Account # - XXXX, Reported Balance- {$590.00}, Reported Date Opened- XX/XX/XXXX Account Name XXXX XXXX -, Account # - XXXX, Reported Balance- {$870.00}, Reported Date Opened- XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I am writing to you to try to clear up some late payments that have been erroneously reported to the credit agencies. 

We were on a forbearance plan with Carrington until we signed loan modification documents at the end of XX/XX/2021. After the documents were signed and notarized we were given a new payment amount and terms and started making the new payments through the website. 

The website showed the new terms and payment amounts. We paid XXXX, XXXX and when logging in to pay the XXXX payment the website said there is a problem with this loan. 

I contacted carrington mortgage company and after much research I was informed at that time that the loan modification had failed in quality control. This was the first time we were given this information. After many phone calls and going through multiple channels it was determined that the we needed to reapply for the modification which we moved forward with and submitted the application. 

That process took almost 3 months. During these months I spoke with carrington on multiple occasions, I was advised in those calls not to pay the mortgage payment as it would just be applied to the balance ( which would be rolled into the modification ) In the meantime we were able to go another Avenue and pay off our balance and get current. 

We are now on track but our credit was negatively affected due to missed payments but I feel our loan should never have been taken out of forbearance if the loan modification was not complete. I think there was a breakdown in communication. 

Could you please look into this and see if we are able to get those late payments removed from our credit report? 

Thank you so much I have copies of all documents for the modifications and the notary info. Its just too much to attach here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Credit Karma, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have credit karma account and they are telling me Im preapproved for all these different credit cards and when I went to apply I still got DENIED & even worse they put it as a hard inquiry on my credit and I tried disputing everything off my credit but they wont take it off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2022, I applied for loan modification due to XXXX and XXXX XXXX. I only missed three months because the forth month I was waiting for loan modification approval. My mortgage payment was {$1700.00} with three percent interest. XX/XX/2022, I called Selene Finance to follow up on loan modification status. Representative advised my modification has been approved. XXXX new modification has XXXX percent from XXXX percent and new mortgage payment amount {$2400.00} from {$1700.00} before applying. My escrow is {$3000.00} dollars. I believe if I had temporarily not able to pay my mortgage XXXX comes up with this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: MA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXXXXXX XXXX XXXX  XXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX, XXXXXXXX XXXX XXXX  XXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: CA
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:
The CRA known as Equifax has been reporting unlawful information on my credit report. As of XXXX of this year ( 2022 ), they began reporting late monthly payments of {$510.00} on my XXXX XXXX XXXX account. I reached out to Equifax by mail to dispute these late payments on my account. Equifax concluded that their reporting was correct and verified, even though they did not have my written consent to to add these findings ( late payments ) to my credit report in the first place. Never did I sign an SSA-827 form that authorized either parties to assemble any documents/reports with my information. In this case I believe that Equifax was/is committing fraud according to 15 U.S. Code 1681b that states that Equifax needs my written consent to make or update any findings on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX Account # XXXX, has violated my rights. 

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 without my written instructions. 

15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX  Case case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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: Investigation took more than 30 days

Complaint:
This credit company have violated civil laws. I wasnt able to get credit loans due to the pandemic. You have hurt my ability to obtain credit no SBA loans nothing due to this company FCRA I.

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 2022-06-08
Company: U.S. BANCORP
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity thief in the year 2015. I Have been receiving reports for credit cards I do not have and I never opened these accounts. There is a XXXX XXXX  account balance {$4700.00} There is Elan financial Balance {$1200.00} and there is XXXX XXXX  with a balance {$3400.00} I never opened any of these accounts. There was also a police report filed. I have filed disputes and these accounts keep appearing.

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 2022-06-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity thief in the year 2015. I Have been receiving reports for credit cards I do not have and I never opened these accounts. There is a XXXX XXXX  account balance {$4700.00} There is XXXX XXXX  Balance {$1200.00} and there is XXXX XXXX with a balance {$3400.00} I never opened any of these accounts. There was also a police report filed. I have filed disputes and these accounts keep appearing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX Account # XXXX, has violated my rights. 

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 without my written instructions. 

15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX Case case number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
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: Investigation took more than 30 days

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2023-08-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/ Discovered Wells Fargo had created a FAKE account in my name. 
A returned uncashed check from the County of XXXXXXXX Property Tax unit contained the FAKE account number. 

XX/XX/ A copy of the check and the letter from the Property Tax Unit was provided to XXXX XXXX at the XXXX XXXX XXXX XXXX Wells Fargo. 

XXXX said he would forward the information to the bank fraud unit. 
He said he could not provide any information on the account. 
XXXX said he could not freeze, lockdown or cancel the account. 
XXXX said I should file a police 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