BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
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:
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 specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$0.00} XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: EQUIFAX, 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:
I had a account with XXXX XXXX  which was opened XX/XX/2012 the account was paid off XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX had the account and I have proof. This is a old debt XXXX XXXX XXXX trying to collect on XXXX the originally account balance was only XXXX. This is a old debt Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: CA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED TWO ACCOUNTS I DO NOT RECOGNIZE NOR DID I AUTHORIZE THESE ACCOUNTS. THE ACCOUNTS ARE ON ALL THREE OF MY CREDIT REPORTS..THIS IS FRAUD! 

XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$9700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Avid Acceptance, LLC
State: VA
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:
On XX/XX/XXXX I disputed many items off my credit in which the credit company violated my consumer rights. Avid Acceptance balance of {$10000.00} is showing on my credit report for a repo which violates law UCC 9 PART 6 ; No pre sale letter sent before car was repoed, Repossession deficiency letter was not sent before XXXX reported to creditors. The credit reporting agency marked it as updated XX/XX/XXXX. This item should be removed off of my credit after disputing it for this reason.

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 2021-07-28
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my loan back in XXXX of XXXX due to my divorce. My income was reduced by 50 % which caused me to default on the loan. I made several attempts to reinstate the loan but could not afford to do so. I applied for a loan modification but did not qualify due to my lack of income at the time. I got so far behind and in fear of foreclosure that I had to relocate in order to find a new better paying job, which still did not afford me enough money to bring the loan current. I have now been in the process of applying for a short sale for the past 6 months and have brought several offers to the table but SLS is not taking into account the repairs that the home needs which is why I have not received any offers that will pay off the balance of the loan in full. The appraised value of the home came in at {$120000.00} on XX/XX/XXXX and I have submitted various offers above the appraised value for the short sale and SLS outright refuses to accept any of the offers and will not provide the minimum amount that they are willing to accept in the short sale, basically refusing to work with me on any resolution that I attempt. Please help me get this resolved, I am trying to rectify the default but the lender refuses to work with me and I do not want to suffer the consequences of a foreclosure on my credit when I have been trying to resolve this for close to two years.

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 2023-06-27
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never ever had services with XXXX never. I seen a XXXX collection through this company and it is NOT mine. I have disputed this with nothing received in return. I need your help

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 2021-07-29
Company: EQUIFAX, INC.
State: NY
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:
They reported inquiries that is totally fraud, there is even 2 inquiries in 1 day from the same company, I have no idea who this is XX/XX/XXXX XXXX XXXX-XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX/XXXX  XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( THE FCRA ). Credit Acceptance Corporation violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).

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 2022-11-25
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit.

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 2023-07-28
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is an addendum to my previous complaint. I would like to add to it, I got a hold of the supervisor in the security department and was told that they moved forward to close my account even though the initial reason of the deposited check being flagged was cleared, they are gon na close it anyway and I have to wait 30-60 days for this to happen and to get the over XXXX out of my accounts! This is ludicrous and will affect my credit and has caused me great anxiety and stress for a week straight! They need to be held accountable for their actions Citibank account number 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 2023-12-01
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
I had used the VA Home Loan, and it required work to be done before I moved in, but the work wasn't done then and so it was left to me. The VA required the owner to put up for an estimated {$5000.00} and XXXX, so around {$7500.00} for all repairs. One contractor was to do all the work for around {$4500.00} except going over for the driveway replacement slabs. That handyman went missing and so the work was not finished by him. I had other contractors finish the work that I paid them with checks and was to send the invoices to the lender for reimbursement. The problem is that the lender paid out the one contractor that went missing for the full price and settled the account when he had not finished, and I had not sent in the invoices from the other contractors to finish the work. I need the lender to cancel that check, which won't be cashed, and repay me for the invoices of the contractors that finished the work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MI
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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are 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 some accounts. All is being investigated by the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To : Consumer Financial Protection Bureau XX/XX/XXXX Re : Account XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX I am submitting my complaint to your Bureau with regards to unaccounted for payments. I have submitted previous complaints before to your office but was apparently just brushed off or ignored by XXXX XXXX XXXX. through their servicer Select Portfolio Servicing , Inc. ( SPS ). 

This time, I was able to get legal documentation copies that was submitted before in Court where the court dismissed their ( SPS ) charges everytime for being unable to account for a payment of XXXX payable to Select Portfolio Services dated XX/XX/XXXX. This amount would have paid off the full amount of the loan balance then. And now with interests that have piled up, it is up to over {>= $1,000,000}. 
I was never late in my mortgage payments since the mortgage was all paid for. 

Since then, XXXX XXXX XXXX., through their servicer SPS would quiet down and after six to eight months would start again their foreclosure procedure and this time using a different law firm to represent them. SPS have hired already 3 different law firms at different time intervals and each time the judge would dismiss their foreclosure case for their unaccounted for and unexplained payment receipt of {$510000.00}. 

Right now, SPS per their letter of XX/XX/XXXX is again starting the process of yet another foreclosure proceedings with a Trustee Sale date anytime after XX/XX/XXXX with a different law firm. I request that XXXX XXXX XXXX and Select Portfolio Servicing stop all this until this payment issue is resolved. 

I would like your office to please communicate directly with XXXX XXXX XXXX. to stop this harrassment.Their Modus of Operation has caused tremendous stress to the family. I am even forced to resort to a " SHORT SALE '' to avoid a foreclosure on my record. I have also requested a Forebearance but was denied. 

I am attaching herewith copies of important documents that was presented in Court 3 times with which the Court ruled each time in my favor. 
I look forward for your help in resolving this issue directly with XXXX XXXX XXXX. as SPS representatives are not even aware of these payment and court judgments whenever I discuss this with them. 
I look forward for your help as the bank is under your jurisdiction in resolving disputes. 
Thank you for your help. 

Sincerely, XXXX XXXX ( POA ) for XXXX XXXX *To CFPB ... .. If my document attachments can not be uploaded in your system, I will fax them to your office. I tried to upload already but I'm getting a " Fault '' warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Was not notified of investigation status or results

Complaint:
I've sent multiple letters to XXXX  XXXX XXXX and all 3 credit bureaus about this alleged debt and advised them to cease and desist. I keep getting abused with multiple phone calls everyday from XXXX  XXXX XXXX. I made an uniformed decision when I entered into this credit transaction. The contract wasn't clear and conspicuous, which caused me to get abused and harassed as a consumer by 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 2023-03-31
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2022 this account was opened. A balance of {$1000.00} is owed. I tried to dispute thru XXXX XXXXXXXX and Experian but it was denied.

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 2021-07-29
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:
I leased a car from XXXX XXXX which was totaled in XX/XX/2020 due to hurricane. The Insurance Company ( XXXX XXXX ) paid off the the pay-off amount that was requested by XXXX XXXX. XXXX kept falsely reporting that my account was still open and that I had a balance of more than XXXX , but it showed no late payments. When I asked Experian and XXXX to correct the information so my report would show that account as closed and as paid off as agreed, things took a disastrous turn and they changed to amount to XXXX $ but it also shows that I have been in late payment since XX/XX/2020. My score went down 96 points in one day because of the WRONG and FALSE adjustment. 

My account should show XXXX balance and should show Paid as agreed, and should NOT show any late payments. And should show that account as closed as well. 

I need this to be corrected so my score bounce back as it should be.

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 2021-07-28
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are 2 separate companies that I have not received any type of notice in the mail, email, phone calls, no form of communication whatsoever, yet they have taken a major toll on my credit. I have been working so hard to rebuild my credit after just facing a very challenging XXXX  fiasco over the past 4 years that has led to XXXX XXXX  within this time. These 2 companies keep adding {$1.00} balance increase multiple times a month on all my reports and Ive lost all the progress Ive gained on my credit because of this. I was up to XXXX from XXXX when they started dinging my credit with a {$1.00} balance increase multiple times a month and I lost all my progress. The companies are Bonneville collections out of XXXX, Utah and XXXX XXXX XXXX. It looks like they are both medical which makes it impossible for them to even be legitimate charges because Ive had health insurance/XXXX  for years. These companies have dinged my credit 3 times in XXXX with {$1.00} increases which is absolutely not right considering Ive got nothing from them, absolutely nothing showing I owe these debts. There has to be something that can be done to stop this asinine stunt they are pulling. Im on long term XXXX due to being ill for so long. I cant just throw money away when Im on a very fixed income thats not very much and Im a single mother. Them doing that to my credit is absolutely not fair. Please help me resolve this and get them to stop this behavior so I can finish rebuilding my credit and do something with my life other then sit dormant because my credit is always so low I cant even rent a home for my son and I because thats the position Im in right now. I literally can not get anyone to rent to me because my credit score is so low thanks to them. I have to be out of my current living situation by the XXXX of XXXX and I have no clue what my XXXX XXXX XXXX son and I are going to do at this point in time because I should not be in this situation to begin with. Its not fair. Please help me resolve this. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: GOLDMAN SACHS BANK USA
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute RS 29:312, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: FL
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 my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation