BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in XXXX XXXX Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting me as 120 days late on the XXXX XXXX XXXX XXXX account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2021-01-26
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this account several times over the last year through XXXX XXXX, as well as XXXX. I have not done business with XXXX XXXX XXXX. I even said so during my disputes. Neither the collection agency nor the business have provided proof of validity. Failure to provide such information within 30 days results in dismissal of the debt. That being said, it has been over 365 days yet the companies have not sent a Debt Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: BARCLAYS BANK DELAWARE
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: Investigation took more than 30 days

Complaint:
I've sent dispute letters to Barclays on 2 different occasions via certified mail through the United States Postal Service. All have been delivered and signed for at Barclays on XX/XX/2021, XX/XX/2021. I have obtained receipts that the USPS Certified Mail was delivered and signed for. The reason is for a dispute is I haven't heard any response from Barclays about my inquiry / complaint and also on my Credit Reports and they have not marked my Credit Reports with any remarks stating that the reporting is being disputed within the 30 days of the letters being received and signed for. By law, they are supposed to mark the report as being disputed and they have failed to do so with any of the certified communications that I have sent them that were signed for in the dates listed above. By not following the law and marking my report as disputed or sending valid verification, it needs to be removed from my Credit Reports. Thank You,

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 2019-03-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CO
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 tried reaching out to an old landlord who had me in eviction status since XXXX, No money is owed I called property and they said no records found it may be on the old system? Contact the collections company in which they could not provide the number too? 
On my rental credit report ( XXXX  ) DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXX/XX/XXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX XXXX XXXX ( Ph. ( XXXX ) XXXX ) DISPOSITION*JUDGMENT-POSSESSION ONLY Also Fair Collections Outsourcing DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXX/XX/XXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX XXXX XXXX  XXXX ( XXXX. ( XXXX ) XXXX ) DISPOSITION*JUDGMENT-POSSESSION ONLY 2 DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX  XXXX XXXX  XXXX ( XXXX. ( XXXX ) XXXX ) DISPOSITION*JUDGMENT-POSSESSION ONLY

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 2022-05-17
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Goldman Sachs Marcus emailed a promotion that if I deposited X amount of money I would get the bonus after maintaining the account balance for a certain number of months. I called a representative to confirm that it was okay since I had a transfer out the same day. 

The representative said yes they would honor the agreement. 

After maintaining the balance, I did not see the promotional amount reflected. So I called them, turns out they won't honor the agreement now because it doesn't count due to the transfer out, even though I confirmed months before that they would honor the agreement. 

This is a deceptive trade practice and I will be filing with the FTC if it isn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from debt collection company : Cane & Weiner stating that XXXX  has forwarded my account to collections due to a debt that was owed. I called them immediately to explain that the account had been paid and provided subsequent information related to charges on multiple accounts. I also attempted to log into my XXXX  account to verify/ check payment history and my account was locked. XXXX  charged me three times for one order and I was refunded once by XXXX  and received a check mailed by XXXX  XXXX as the card ending in XXXX was stolen and had to be canceled. This card was later replaced with a card ending in XXXX. This left one charge remaining which was paid. I did request a dispute on my card ending in XXXX and was refunded pending outcome of the investigation into my dispute. When I was informed that XXXX  would be refunding me I called my credit card company to inform them and was informed that the charge would return to the account once XXXX  refund had posted. 

Timeline of charges/ refunds XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  charged XXXX XX/XX/XXXX XXXX XXXX card charged XXXX XX/XX/XXXX received check via XXXX XXXX for refund of charge to XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX card charged XXXX XX/XX/XXXX purchase adjustment provided amount XXXX by XXXX XXXX XXXX  for dispute of duplicate charge XX/XX/XXXX refund provided by XXXX  amount XXXX XX/XX/XXXX purchase adjustment added charge of XXXX back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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:
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 items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX Balance : {$780.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022. 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 the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Dave Operating, LLC
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I use XXXX banking, and I was suppose to get my deposit two days ago on the the XXXX. XXXX message my job to make sure the deposit went through and they ensured me that they did everything right on their part. My other coworkers gave received their check, I am the only one who hasn't. I contact XXXX banking customer service and nobody has any clue where my deposit is. All they keep saying is " when we receive the money it will be available in your account '' but the deposit from my job has already been sent. I look online and multiple people are having the same problem as me. It's clear as day XXXX banking is scamming it's customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

These were the following items : Hard Inquiry : XXXX  Credit Card Reason : This account is not related to any transaction made by the consumer and needs to be deleted. 

Creditor : XXXX XXXX XXXX Account Number : XXXX Reason : This account is discharged through a XXXX XXXX  bankruptcy. This item is inaccurate because it shows different dates opened, reporting as XX/XX/2021 on Transunion and XX/XX/2021 on both XXXX and XXXX. 

Public Record : XXXX XXXX XXXX CA XXXX Record type : Bankruptcy XXXX XXXX discharged Reference Number : XXXX Reason : The bankruptcy court stated they do not give bankruptcy information to consumer reporting agencies so this needs to be deleted. This account was reported without my written consent and therefore is a result of identity theft and should be deleted.

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 2022-07-06
Company: Resurgent Capital Services L.P.
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: Was not notified of investigation status or results

Complaint:
I am not familiar with this account RESURGENT/LVNV FUNDING XXXX never received any proof that this account belongs to me. 

Please provide documentation that the following account RESURGENT/LVNV FUNDING XXXX belongs on my credit report and my rights have not been abrogated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX  XXXXBalance Owed : {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a reinstatement quote on XX/XX/XXXX and tried to go through the lawyers as well as inform the business that I applied for XXXX  on XX/XX/2022 and they will not answer my calls or provide me with the quote.

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 2019-07-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT. I HAVE SUBMITTED THE PROPER DOCUMENTS TO HAVE THE UNAUTHORIZED INQUIRIES BLOCKED FROM MY CONSUMER REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 had moved out to oversea since XX/XX/2015 and I stayed in CA for a short period of time but while I was in CA, someone ( guessing my room mate ) stole my information and opened bunch of credit cards and XXXX  my credits.Even though I am not coming back, I would like to still dispute those accounts which are not mine. 

Capital one /Saks Acct # XXXX Capital one USA Acct # XXXX Capital one Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2022-12-31
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to correct this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$760.00}

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 explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was only recently made aware that some of my student loans have adjusted interest rates. Therefore the interest keeps increasing making my payments unrealistic to make. I also keep getting random emails regarding forbearances which I never agreed to. I have been making payments but dont believe this is making any impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to permanently limit my PayPal account. I am using my Paypal account for my online personal photography since ( 2020 ). My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation