BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone obtained my information and opened a credit card with Synchrony Bank/TJ Maxx credit card. I believe they rented a car with XXXX rental car company with that card. The rental car company told me they have my Driver 's License on file and that they have security camera footage of me getting in the car in XXXX XXXX. I have never been to XXXX XXXX in my life. They confirmed they had my XXXX Driver 's License on file and when they read to the # to me it became apparent that they had my former Kansas Driver 's license #. 

Someone also opened a Personal Loan with XXXX XXXX for approximately {$6000.00}. 

I have never done any business with either of these companies. 

I have spoke with all 3 Credit Bureau 's and 2 of them are investigating these fraudulent activities.

I believe they have my Social Security Number.

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 2022-07-07
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TrueAccord Corp.
State: AL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I have been contacted several times via email about an alleged debt that I do not owe or a debt that is inaccurate and potentially a result of an impersonation and identity theft by an individual/third-party ( not affiliated with this debt collection company ). The communications are from TrueAccord Corp. regarding an alleged debt to XXXX XXXX  XXXX XXXX on or about XX/XX/2018. Furthermore, in the email correspondence TrueAccord has listed personal and private information about me and my address ( that is protected by my partner 's XXXX XXXX orders ) that can not be obtained publicly or linked to me by any means other than that of illegal practices. Moreover, I have never been contacted by XXXX XXXX XXXX  or any debt collector regarding this " alleged debt '' prior to this correspondence. 
I've requested this company to not contact me any further, blocked the sender, but to no avail TrueAccord and its representative known as XXXX XXXX XXXX continue to send communications via email about this debt/matter. This is a direct violation of my rights and remedies available under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: GOLDMAN SACHS BANK USA
State: MP
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Marcus by Goldman sold their loan portfolio to XXXX XXXX XXXX in 2023. This included my personal loan which never had any repayment issues and was actually ahead of repayment schedule. Original Amount XXXX, current balance < XXXX. 

I was never contacted by MARCUS to advise they'd be selling my Social Security Number, Date of Birth, Mailing Address, Employment History and personal banking information to a Third Party with a background in Debt Collection ; I want no association with such a lender as I maintain XXXX - XXXX XXXX Scores across multiple agencies and would see business with XXXX  as negative information on my reports due to association with a known debt relief/credit repair/credit collection firm. 

All I want to do is payoff MARCUS and not have any financial connection to XXXX XXXX XXXX, as I do not appreciate their business model and I never requested their service ( s ). MARCUS never notified me, their customer, and did not protect my PII from a 3rd party with an unsecure website. Just waiting to be scammed from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act Equifax 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. Equifax continues to violate my rights by publishing without my written instructions. In light of recent investigations brought upon equifax, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. I have Hard Inquires that need to be removed as well, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still showing on my account! I demand this hard inquiry removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without
my written instructions U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX 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 2023-12-11
Company: SYNCHRONY FINANCIAL
State: CA
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:
The company listed below appeared on my credit history due fraudulent credit card application being submitted using my name. 3. Company : SYNCBJC PENNEY PLCC My Actions : I've called the number, ( XXXX XXXX ), associated with this company on my XXXX credit report and have also reached out XXXX XXXX as well. I asked the lender to close the application/card to be closed and to have the inquiry removed. I also asked XXXX to also remove the inquiry. They told me report fraud through the FTC and I have done so for the second time. 

Outcome : I will need documentation from Synchrony Bank stating this inquiry doesn't belong to me so I can move forward with XXXX because the inquiry remains on my credit report. The last time I submitted a CFPB complaint, I was sent a PDF document relating to another person and I have attached that as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected rights to privacy and confidentiality under Account Name : XXXX, Account XXXX, Account Name : XXXX, Account Name ; XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX, Account Name : XXXX, Account Name : XXXX : According to USC 1681e they have violated my rights to privacy and confidentiality sharing inaccurate information about chapter 7 & 13 bankruptcy on my account please delete according to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 disputed the an account with XXXX XXXX and tried to get the credit reporting agencies to remove on my credit report. I never signed up for service with XXXX XXXX and have disputed it but the credit reporting agencies did not remove it. I sent a validation request to XXXX XXXX through certified mail with request for receipt confirmation and they have not supplied proof requested.

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 2023-12-07
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Upon looking at my consumer report, I observed a third party non- affiliated, student loan, debt collector illegally reporting on my consumer report without my express written consent, who I do not have a contract to obligate me to them in anyway. Previous to this there was another 3rd party debt collector non affiliate who was also reporting to my consumer report illegally, who has since been removed from my consumer report. Then out of nowhere DEPARTMENT OF EDUCATION/NELN started reporting to my consumer report. Doing my time attending college in 1998, I have never provided a wet ink signature with any company for goods and services named DEPARTMENT OF EDUCATION/NELN. This is a complete violation of my rights to privacy as a consumer, and identity theft, because they do not have my express written consent to report on my consumer report. All laws are attached with this complaint along with a affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2020-07-30
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good afternoon, I am writing today for assistance in resolving a fraudulent collection account, which is not only being reported grossly inaccurate but which I believe is an attempt to pad an account and collect a debt not owed by myself. 
This regards a debt with original lender XXXX XXXX, issuer of a XXXX  card. The collection was originally for less than {$200.00} dollars. An item was purchased and RETURNED and a credit was supposed to be given. I called XXXX XXXX numerous times when I had the account with them and spoke on recorded calls to their agents and this was supposed to be resolved. i further asked that the account be closed, against the protestations of the agent. i wanted nothing to do with XXXX, XXXX XXXX  or anyone else. 

Flash forward, today this company XXXX XXXX XXXX is sending me a letter asking for {$3500.00} to settle XXXX. They are reporting this fraud to the 3 bureaus and damaging my consumer credit files. i am asking for the CFPB to intervene and oversee this company complying with the FDCPA guidelines in reporting. I am asking for the original documents pertaining to this account and the itemized list of charges that amount to the {$3500.00} which they say I owe. Furthermore, I would like this information to be provided from the original source : XXXX XXXX. 

I know full well no such charges were made, and the account was closed out with nothing more than {$200.00} ever having been charged during the entire time I had the card. 

This is another example of collection agencies and debt buyers fudging the facts and outright committing fraud. I am asking for this to remain on record as I will absolutely be reviewing my legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After repeatedly receiving harassing phone calls from Agent Heard at Professional Debt Mediation Inc, and reviewing my consumer report I became aware that an account with my personal information was placed in their office. ( Alleged Account # XXXX ) On XX/XX/XXXX, Professional Debt Mediation Inc , received a notarized XXXX, Debt Disclosure Statement ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a notarized Offer To Perform ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX Certified Mail. ( See attached documents ) Per the XXXX, PDM had 21 days to respond with a completed notarized XXXX XXXX XXXX. As of XX/XX/XXXX, approximately 29 days from delivery, I have not received a reply from PDM. This was the remedy provided to PDM and they have failed to perform. I will be sending out a Notice of XXXX to PDM executives within the next 48 hours. All XXXX XXXX XXXX XXXX XXXX were notified of the errors on my report however they too have failed to meet their obligation in providing a Method of Verification or removal of the account. ( See attached for Proof of Delivery w/Certified Mail # ) XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX I am aware that as a consumer I am permitted to privacy and a fully complete and accurate consumer report. I am also aware of the monetary remedies available to me provided by the United States in the event a debt collector or credit or consumer reporting agency violates certain rights, laws, andor statues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I had a payday load with ACE Cash Express in XX/XX/XXXX. It appeared to come out of my back account on XX/XX/XXXX, but was apparently rejected. When I called the company to confirm they had been paid in full, they looked up my account and confirmed it to be paid in full. Today, XX/XX/XXXX, I received a call from a man named XXXX XXXX stating that he was a process server and that I needed to call XXXX immediately to stop a court filing that was going to happen XX/XX/XXXX. When I called the number, no one answered. I got a call back from XXXX with a person names XXXX who stated she was a mediator and that ACE had turned over the item to them to collect and they would be filing criminal and civil charges, having someone notify my employer, take my car and my house, and suspend my drivers license until I paid them in full. They said my original debt was {$1600.00}, but that I owed them {$2800.00} including collection fees and attorney costs. I did go back and look through bank records and do apparently owe the {$1600.00}, which I immediately made arrangements to pay. However, I did not agree to pay collection fees and did not appreciate being threatened with arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Better Mortgage, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This has been a nightmare. I applied with Better Mortgage over a month ago. They put incorrect numbers on the loan estimate and I have asked them to fix it severa times. They have the incorrect loan amount, HOA, insurance, taxes, title and cash to close. How hard is it to put the right loan amount??? They didnt even calculate my DTI right so I had to call and get that fixed. At one point I gave up and went to another lender. XXXX XXXX reached out to me and assured me he was working on it and would ensure that everything was fixed. He also offered to apply an incentive to make up for the damage to my credit caused by having to let another lender pull my credit since Better could not seem to get things together. Two weeks later and nothing is fixed on the loan estimate. I have asked REPEATEDLY if were moving forward on the loan or not. I keep getting told that theyll be able to give me an answer in one more day and then its one more thing they need and then one more day, etc. we are now 2 weeks from closing and I dont even know if the loan is approved but its too late for me to go somewhere else!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Coinbase, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
In 2013 I was using Coinbase for virtual currency transactions. One day I logged in and my entire account balance was empty. Checked the login logs that they make available and someone had logged in, in the XXXX to the account and transferred the balance. I contacted the company several times of the years trying to see what could be done. Providing logs, information and anything they asked for. Unfortunately they always said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I sent a letter disputing the following inquiries. They are still on my report more than 30 days later. 


I asked for proof of permissible purpose of these inquiries, but I never received them. The inquires were reported as verified although no proof of this verification was presented. 

This is illegal according to federal law - 15 U.S. Code 1681n - Civil liability for willful noncompliance : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( 2 ) such amount of punitive damages as the court may allow ; and ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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