BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: M&T BANK CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am the XXXX of a nonprofit organization in Massachusetts called the XXXX XXXX XXXX XXXX XXXX. Beginning last XXXX, just before M & T Bank acquired People 's United Bank, we began having fraudulent ACH transfers steal funds from our checking account. By the time we realized this was happening, M & T owned People 's United. I went to a local branch in XXXX, Massachusetts and filed a claim. 

Over the next XXXX months, we closed and opened XXXX checking accounts as the fraud continued. M & T was very slow to give us our money back and in XXXX of this year I filed a claim with CFPB. M & T then returned {$20000.00} to our account. 

Our accountant worked for months to rectify the money stolen and the money returned by M & T. On XX/XX/XXXX I wrote to the branch manager from XXXX, XXXX XXXX now moved to M & T in XXXX, Massachusetts, about how to proceed to rectify the difference between what our account says the bank still owes us and what they had given previously. I got no response to XXXX emails so I called and was told she wasn't available ever. 

On XX/XX/XXXX I emailed the president of M & T Bank, XXXX XXXX, to ask for help straightening out the discrepancy. I have not received a reply to my email. 

Our accountant says we are still owed {$5400.00}. We are a small, spiritual organization with a small budget and we can not afford a loss like this when we did nothing wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX has tried to settle for {$1000.00}. I have the physical checks. 
There is no Modification that was offered. I pulled every document for SLS and nothing was offered. 
I am now employed Full Time and unable to pay the {$35000.00} owed. 
I can provide documentation that no Modification was every offered. 
My debts are exorbitant. 
I have XXXX  children in elementary school.

I have no retirement.

It is untrue that a Modification was offered. If it was offered, as I stated, it was never sent to me.

As of today, all Collection notes have not been provided. I request for this to be provided to CFPB in order for me to obtain.

I continue to be ill. 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 I needed this in order to get a job, be more marketable. 
Respond to CFPB where I can send a trial payment of the {$800.00} you had previously claimed to have offered

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 2023-10-12
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 my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$22.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
on XX/XX/2023 Capital one responded back to a dispute i had about an account that was created under my name fraudulently. They investigated and came to the conclusion that the account would be deleted as well as the inquiry that account made. When i called all the bureaus they stated that they dont have that information and the cap1 is still reporting. The account must be removed now because it does not belong to me. PER 15 USC 1681 B YOU ALL ARE BREAKING THE LAW. I DID NOT AUTHORIZE YOU ALL TO FURNISH THIS WRONG INFORMATION THEREFORE IT MUST BE TAKEN DOWN ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was recently the victim of Identity theft. I requested the at the various Credit Reporting Agencies and furnishes validate accounts that were unknown to me. 

Equifax without my authorization took it upon themselves to place a personal fraud statement on my report, and then Equifax sent a notification to both XXXX  and XXXX XXXX also without my knowledge and authorization. ( while at the same time not removing the un-validated identity theft accounts from my equifax report. 

XXXX in response to this request by equifax placed the following statement on my XXXX  report. 

Personal Statement ( s ) 06 & XX/XX/XXXX 0000000 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

I did not make this statement and do not appreciate XXXX  placing it on my report and exposing my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Information belongs to someone else

Complaint:
several inquries Im unfamiliar with and collections I've reached out to every bureau also sent a 609 letter still same results no progress XXXX XXXX transunion

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I have XXXX, XXXX day late payments on my credit report. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ALL of XXXX, I have sent XXXX XXXX XXXX Determination of finance charge, XXXX XXXX XXXX Timing of payments XXXX XXXX XXXX XXXX Permissible purpose, XXXX XXXX XXXX XXXX  XXXX XXXX ) ( XXXX ) Exclusion from consumer reports. With no remedy., They told me they are having difficulty identify me.

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 2023-03-09
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen better know these days as, '' PHH '' is involved in fraud ; deep and far reaching. I have filed complaints with the XXXX, I have called upon Government Agency to no avail, and still the fraud continues. 

In XXXX, once it became clear no real effort on behalf of this Mortgage Servicer was made or ever going to be made to bring this issue to a resolution, I made it clear they would NOT receive further payment. As a direct result of ALL my rights being violated without question, provable and factual ; my ability to earn a living and any semblance of peace and been usurped and in its place conflict and strife, in order to defend my land against these criminals. 

I have provided all required documents to prove a. my home is paid off, and b. PHH is involved in a fraudulent foreclosure, using deceitful practices akin to those of 2008. As they have not learned their lesson then or now, I will be suing this company. In an attempt to expose this fraud, protect myself, and ALL those who may be affected by such harmful practices with zero protections or help. I am doing this for all those reasons. I've lost so much in fighting this battle ; sleep, money, peace, resources. I intend to get it all back and do my part to expose this. Here I am again reaching out, this is how the working poor are treated.

I may not have a formal education, but I'm smart enough to know I have a case, and I'm bringing the fight directly to this mortgage servicers that lies, and lies some more. They'll have to prove all my accounts and recordings are false ; which won't happen.

As a result of this servicer dragging this on issues with respect to escrow have come about, issues brought on as a result of this servicer purposeful actions to keep account open, understanding that I would not pay them direct, I'll pay my property taxes on my own for me to send them payment is my acknowledgment that a debt is owed to them which it isn't. This is in protest, that it may reach the right eyes and ears and receive genuine help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 explanation
Consumer complaint received 2023-12-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I attempted to use my {$100.00} Amex Gift Prepaid Gift Card on XXXX on XX/XX/XXXX on a purchase totaling {$99.00}. Unfortunately, the transaction failed due to the payment method being declined. Following XXXX 's suggestion, I contacted American Express on the same day. They assured me that there shouldn't be any issues with using Amex Gift Cards on the XXXX site and recommended trying to use less of the balance on the card. Subsequently, I made another attempt on XXXX with a {$90.00} purchase, but the payment method was declined once again. Despite trying multiple other online retailers and in-person purchases at various stores, I am unable to complete any transactions. I've also contacted American Express in an attempt to request a refund, but they have not been willing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  : {$3100.00} XXXX XXXX, XXXX. XXXX XXXX  : {$13000.00} XXXX XXXX XXXX  : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
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:
I am filing this complaint because XXXX  refuses to provide me with documents their company allegedly has on file that was used to allegedly verify the accounts i disputed. Being it has exceeded 30 days and they can not and will not verify these accounts under 611 ( 5 ) ( A ) of the FCRA. Please resolve this matter as soon as possible as it is gotten me denied credit on several occasions.

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 2023-12-09
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
*I AM NOT A VICTIM OF SCAM/FRAUD* Update : As of XXXX XXXX XXXXXXXX  I still do not have my funds from Marcus by Goldman Sachs XXXX It has been over 7 months. 

Recently on XXXX XXXX XXXX I spoke to someone named XXXX, I thought I had received good news An affidavit of identity was sent out to me so that I can fill it out, send it back so that way Marcus by Goldman Sachs can send out the check to me instead of the originating bank finally. They told me I will received the Affadvit of identity will be received in 7-10 business days. It is now XXXX XXXX XXXX and I still do not have the affidavit of identity. Most Recently, on XXXX XXXX XXXX I contacted Marcus by Goldman Sachs to see once again where my money was, they stated that the originating bank has the check and we do not know if they deposited it or destroyed it. I spoke to someone named XXXX  They also stated that an affidavit of identity was never sent out because they do not have my funds so a check would not be created and sent to me even with an affidavit of identity! Essentially, they dont know where my {$20000.00} is. At this point, I seriously can not deal with this anymore and I have no choice but to file a suit for damages. Update : It is now XX/XX/XXXX and I still do not have this money. I recently called XXXX XXXX on XX/XX/XXXX to see what was going on with the dispute that was created by Marcus By Goldman Sachs on XXXX to see where my funds are : This dispute was put in my XXXX : Dispute ID : XXXX Amount : {$20000.00} Marcus by Goldman Sachs stated that we needed to do a 3-way call with XXXX XXXX to confirm the funds have not been received by them from Marcus by Goldman Sachs XXXX XXXX from Marcus By goldman sachs confirmed on the phone with XXXX XXXX  that they do NOT have the funds and I still do not have this money. She then initiated another dispute for the same exact reason, to see where my funds are. XXXX  Dispute ID : XXXX {$20000.00} XXXX At this point, I have been trying to get my money back from Marcus by Goldman Sachs for over half a year and it makes no sense why Marcus by Goldman Sachs is putting me through this toxic cycle. I am filing a lawuit against Marcus by Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: JPMORGAN CHASE & CO.
State: GA
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:
I received 2 hard inquiries on my XXXX credit card profile from one Chase credit card application. The XXXX inquiries are listed below : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

JPMCB CARD Inquired on XX/XX/XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

There was a problem with address verification on the initial application on XX/XX/XXXX. I had to submit documentation multiple times through Chase 's portal and docusign. Then no one from Chase would review the documentation until I called back. 
Eventually I was approved on XX/XX/XXXX for the card after only providing my IRS EIN confirmation letter. However, this had already been supplied on XX/XX/XXXX per XXXX XXXX. As a result, I should have been approved for the card within 30 days of the initial application date of XX/XX/XXXX, therefore only resulting in one hard pull. Please remove one of the duplicate hard pulls.

I tried to resolve the matter directly with Chase, and their reprensentative said " hard pulls are not necessarily bad '' ( This is a completely false statement as hard pulls always result in a person 's credit score declining which is objectionally " bad ''. ). Chase also stated they have the right to pull my credit report as many times as necessary which doesn't seem right.

Company response to consumer: Closed with explanation