BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: Netspend Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A few days ago I received an email to XXXX saying I opened up a credit/debit card at NetSpend.com I contacted the company they said someone had opened up an account under my name and for me to contact FTC. A few days later I received another email to my second email XXXX saying that I had opened another credit/debit card at NetSpend.com when I went to my aunt 's house to pick up my mail. There was only one NetSpend card there. And I have never applied to either one.

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 2022-11-14
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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. Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX : has violated my rights. XXXX XXXX Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX, 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 seven 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 non-monetary relief
Consumer complaint received 2023-05-08
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I was in the process of buying a home when it was brought to my attention that my score dropped over XXXX points! 

I contacted the company in reference to the debt and spoke with a manager to which the manager revealed to me that there was a case and desist or place on the collection company on XX/XX/XXXX. The manager realized it was clearly a violation and provided the email to the compliance department.

I don't own this debt as part of the court order when my house was sold through a petition to partition all debt for the home was submitted and paid prior to the house being sold! 

Now that I cant buy the house I wanted this has cost me thousands of dollars, the loss of the property I was trying to buy, and I have to start the whole home process again! 


Debt collection National Recovery Agency

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
TransUnion and XXXX refuses to remove this debt that has been settled from my account and off their systems. They are in violation of 15 U.S. Code 1681i ( 5 ). 
ThXXXX XXXX  account has to be removed immediately!!! XXXX XXXX XXXX  XXXX XXXX the supposed creditor is not the disputer behind these allegations, its TransUnion and XXXX  who continues to violate the State and Federal Laws. I have given proof over and over again. 18 U.S. Code section 1001, And 42 U.S. Code section 408.

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 2023-05-08
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-08
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute particular records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've done or approved in order to obtain products, services, or money. Please delete the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: SC
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 is my multiple endeavor to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please remove all these accounts in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Selene Holdings LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
HELP! for two years, my mortgage company has been dragging me through the XXXX XXXX XXXX claiming they're "... doing everything to help. '' A SALE DATE HAS BEEN SCHEDULED FOR XX/XX/XXXX, THIS MATTER IS URGENT! 

In XXXX of XXXX, when the country shut down because of coronavirus outbreaks, my primary source of income and employment disappeared. I worked as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX instructor with the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. When stay- at-home orders were put into place, work disappeared. As the pandemic progressed, most of the studios closed permanently, and university cutbacks eliminated many adjunct positions. 

In XXXX of XXXX, I contacted Selene Finance about Loss Mitigation. I initiated the application process, which began my two-year journey with that dysfunctional company that has destroyed me mentally and physically. AND NOW I MAY LOSE MY HOME! 

I have hundreds of documents that record this heartbreaking experience. Phone calls that begin as chastisement then end with admissions, on their part, of how poorly organized and unprofessional they are. " It's like talking to a XXXX XXXX XXXX, '' complained XXXX XXXX, a Selene employee assigned to my case as a mediator to help wring some answers from the black hole that houses their underwriters. You ask a question, and the answer is so cryptic and unhelpful that it might as well say, " Not today. '' Once an inquiry crosses the XXXX XXXX, an answer never comes back. 

When the process began, they said to call every couple weeks, to check on the progress of their assessment, but they have 30 days to make an initial decision. You can call the DAY THEY MAKE THEIR DECISION, to make sure they have everything they need. They say everything is correct, then a week later, they send a letter stating they didnt have what they needed. Im denied BECAUSE I DIDNT SUBMIT DOCUMENTS.

This process happened over and over again. They said to try sending everything via email, fax and USPS, so they wouldnt lose anything. I did. I highlighted, initialed, labeled, color-coded, and more, but nothing works. The Housing Assistance Fund for Montana could help, but they need a No Help letter from Selene, which they wont give BECAUSE THEY SAID THEY CAN HELP. But the letters always say Im non-compliant, so I cant get assistance, from anyone. Im their hostage, and now they have my home, which Ive lived in for 20 years. My XXXX mother and my son, who is dying of XXXX XXXX, are also victims of Selenes deception, manipulation, I dont know what word to use. I just know its wrong. 

This XXXX  feels intentional. Its heartbreaking because I would have had the entire amount to pay off the past due, but these delays sink my even deeper in debt. + Ive attached the latest set of documents that I just sent to Selene Finance. I have two-years-worth of documents. Ive also included the sale notice, which makes me cry every time I think about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXXXXXX 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 2022-11-14
Company: Open Dealer Exchange, LLC
State: FL
Product: Credit reporting, credit repair services, 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:
GOOD DAY SIR / MA, I HAVE IN THE PAST MADE CREDIT CARD ENQUIRES WITH THIS CREDIT CARDS COMPANY BUT I NOTICED THAT EACH YEAR THEY WENT AHEAD AND CHECK AND MONITOR MY CREDIT, WITHOUT MY AUTHORIZATION. 
THIS ADDS UP ON MY CREDIT REPORT AS IT MAKES IT LOOK LIKE I MADE THE NEW REQUEST FOR THE CREDIT CARDS. ALSO I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, I THINK THE PERSON WITH MY INFORMATION STILL TRY TO GET CREDIT CARDS ON MY INFORMATION AS I RECIEVE SOME DECLINE MAIL WHILE I NEVER APPLIED FOR ANY CREDIT CARD THIS ALSO SHOWS UP ON MY HARD ENQUIRY CREDIT REPORT. 
I WANT THE BANKS THAT HAVE MY SSN THAT MONITOR AND CHECK MY CREDIT WITHOUT MY CONSENT TO STOP DOING SO, ALSO SOME CAR DEALERSHIP, AND CLEAR UP MY HARD ENQUIRY, AS ITS AFFECTING ME NEGATIVELY. I NEVER GAVE THEM ACCESS TO MONITOR AND CHECK MY CREDIT YEARLY, BUT I SEE THEY DO SO YEARLY, AND SOME NEW ENQUIRIES I NEVER ACTUALLY AUTHORIZED. 

ATTACHED ARE THE PICTURE OF COMPANIES REQUESTING AND MONITORING MY CREDIT SCORES YEARLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 use 1681. 

Account Name : -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person should 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 accurate.

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 2023-05-08
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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX. Please delete this account ASAP.

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 2023-05-08
Company: EQUIFAX, INC.
State: MO
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:
XXXXm 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 which do not belong to me or were opened without my permission. 

DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$400.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: BMW Financial Services NA, LLC
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 been a vicitim of identity theft and someone is using my personal information to obtain credit. I did not authroize the inquiries on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 which do not belong to me or were opened without my permission. 

DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$400.00} 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 2023-05-08
Company: Experian Information Solutions 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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX 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 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 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 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 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 2023-05-08
Company: Atlanticus Services Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX Card Balance paid in FULL XXXX card does NOT work several calls to be told it works Aspire agrees to credit 2 main. monthly fees XX/XX/30 they apply one credit to this account and one to my other account ** have tried to figure this out but only get yelled at and called stupid called in more times about card problems XX/XX/XXXX they call about the past due {$20.00} dollars and refuse to see the mistake on the fee credit they cut my credit limit -- call me a LIER and say thats not true they then ding my credit i have never missed a payment on any card so why do i now have trouble with them after i pay my bill off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation