BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: Guild Mortgage Company LLC
State: TX
Product: Credit reporting 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 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency canot furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

The late payment of {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2022 {$1000.00} XXXX sent a dispute letter and there's no validation of signature saying I have this debt or any type of validation that I stated to release any medical information They violated my HIPPA and my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have on 3 occasions reached out to XXXX, Experian, AND XXXX  and asked for them to investigate an item on my bureau. The item in Question is a XXXX  account # XXXX. They responded to me the first two times and the third time I didn't receive a response at all. My issue is that there are three separate date last active showing up for this account.This is a violation of FCRA because they are re-aging my account by almost a year. They say they have investigated. I have asked how and what method they used to investigate, and their answer is just " been verified ''. I need help on removing this information or getting it corrected.

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 2019-11-03
Company: Experian Information Solutions Inc.
State: MI
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 identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2019-11-03
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I am writting this due to non-compliance with the ( XXXX, Experian, XXXX  ). they have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-11-22
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Dear CFPB, Based on a recent review of my account, American Express decreased the credit limit my account. Their decision was based on the fact that : " Based on your credit report, you have too many requests for credit or inquiries from debt settlement companies '' I am not aware of any request at all from debt settlement companies, nor have to intention to apply for one. On a recent XXXX report pulled as of XX/XX/XXXX, I found out that I do not have any " hard inquiries '' related to debt settlement. 

I am also reminding American Express that I am a victim of identity theft. My information has been exposed twice, on XX/XX/XXXX, and most recently through an incident referred to as the " XXXX XXXX XXXX '' XX/XX/XXXX. Someone is actively using my information to apply for new accounts. All 3 credit bureaus have been alerted and an extended fraud alert has been set on all 3 credit bureaus since XXXX. American Express should have seen this on my file before making an accurate decision on the account change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On 3 different occasions over the course of almost a year, I have been reopening and then subsequently waiting even longer for a resolution because of the nature of my claim I have been patient but it's getting to a point where I don't see how the dispute investigation is coming to a decision not in my favor when I am specifically being targeted by a fraudulent identity theft situation on top of that I need to be given what is due to me and I am way outside the XXXX day time frame allowed for a decision to be made for my claim that was filed back in XX/XX/2021 for a year long mail fraud and identity fraud crime was being put on me and I have not been able to financially recover due to this issue. I sent in police reports, written statements, and all required documents to claim dispute processing but even though I present reciept of successful send of all paperwork I am being victimized and I don't feel like anyone is really investigating anything for me to recover my funds I show proof and even did an in person identity verification at my local b of a bank branch and still I am having issues hearing back from any of the complaints I have notes in my dispute attachments. Trying to understand and fight accounts by knowing your rights when it comes to fraud or schemes involving fraud it's always good to know first, your rights so I know for a fact now that without these documents my credit will not be.issued?

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 2022-10-21
Company: Caliber Home Loans, Inc.
State: IN
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Marcus by Goldman Sachs has effectively prevented me from accessing my approximately XXXX They do not deserve FDIC approval!! On a Monday i tried in vain for hours to transfer money to my brokerage account at XXXX XXXX to pay for treasuries i was buying. I received error messages online repeatedly trying to link account thru XXXX, their software. Nothing but we cant cOnnect to your bankso I called them, rep took all info and also failed repeatedly to complete transfer or linking either. I then tried initiating the linking at XXXX  end. Days passed, nothing. I have never had such problems getting my money from one institution to another like this with NO ACCOUNTABILITY WHATSOEVER!!! I called Marcus, again went thru almost hour of useless attempts, finally rep said after i was on hold for 25 min that i can t link to a brokerage account!! Then why did previous phone rep Waste my time trying!!! 
Next I tried to link to my only bank, XXXX ( XXXX ) - again both online and phone rep failed after countless attempts!!!! I said how the hell do i get my money out???? She suggested mailing me a check for the XXXX!!!! Mail??? I said are u kidding???? I am going into the hospital on tuesday and ill be damned if I have to worry about you XXXX  mailing me a check for XXXX. I called XXXX  for help -they said they should have offered to wire it. I called Marcus back, ordered wire, four days later and umpteem phone calls, no wire transfer, no communication about it, no in formation when i call repeatedly to inquire whatthe XXXX is going on. NOTHING!!! I am XXXX yrs old and i have nearly had a XXXX XXXX from these XXXX  criminals witholding my needed funds most especially when they advertise no such things as refusing to let customers have their money!!!! I will get justice if it is the last thing i do on this earth. FDIC???? How on earth????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
Company: ID Analytics, Inc.
State: MI
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:
XXXX XXXX Stream Sage, and XXXX out of XXXX are reporting information about me to the Credit bureaus XXXX XXXX XXXX, XXXX, and XXXX ) without my written consent. According to 15 USC 1681 as an consumer I have a right to privacy. For instance bankruptcies ; the court district does not verify a persons information to the Credit bureaus. Also all my personal information like my name, address, phone numbers, or emails are inaccurate on my report and they refuse to correct it. Any inquiry that is not associated with a line of credit attached to it was not me and submitted as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: RFNA, LP
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I fell behind in my payments and received a consent judgment from Republic Finance. I meet with the manager and we worked out a payment of {$250.00} a month. This was in XXXX XXXX. At the meeting I made a {$500.00} payment cash/check. The payment was suppose to be taking from my checking account or that was what I thought was the agreement. On XX/XX/, I received a garnishment writ concerning I have not made payments. When I talked to the manager of Republic Finance and her comment was I am sorry for the miscommunication. I asked her why no one called and left a message to call, why no correspondence or late notice from the company during XXXX, XXXX, or XXXX. They told me a call was made in XXXX, however when I looked at my phone I received no call and if they did call there was no message to call their office. I have the companies name on my cell phone so if they called it would have pop the name up and if they called and left the message, I would have returned the call. I am fairly sure that I was at least entitled to a phone call, email or even a letter to contact them in XXXX if there was a problem with the payment plan. I would like the CFPB to help me obtain the correspondence that efforts were made on their part before the garnishment was executed. Which is proper collection procedures for any company, bank or credit union. I also want the garnishment withdrawn and a proper payment plan reinstated. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Contacted me today, Monday XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. EST. stating that he was looking for someone else, and that my telephone number is associated with the individual. I informed him that his call is unlawfull, to contact others regarding a specific individual and notifying them that they have a recovery agent calling regarding the debt ( s ) of another. I did record the call, as I live in a state that recorded telephone calls are permitted, and lawful. At the end of the call, the agent called me a " XXXX ''. That is also on the recording. The alledged recovery agent is from PORTFOLIO RECOVERY SYSTEMS, stating that they are located in the state of Kansas. Another agent refused to give e a location at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: NC
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 acct # XXXX 120 days late payments, XXXX XXXX XXXX acct # XXXX, XXXX. XXXX  acct # XXXX XXXX rental acct # 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DEAR XXXX XXXX, XXXX XXXX XXXX XXXX have written this letter to dispute a claim that is falsely listed on my consumer report with your company. the amount ( s ) owed are no longer outstanding for the following item : Party Owed : XXXX XXXX XXXX AMOUNT : {$940.00} ACCT # XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF A WRITTEN AGREEMENT BETWEEN MYSELF AND SUNRISE CREDIT SERVICES. SOMEONE USED MY INFORMATION FOR THEIR PERSONAL GAIN. THIS ACCOUNT IS FRAUDULENT AND I AM REQUESTING THIS ACCOUNT BE DELETED FROM MY CREDIT FILE IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted from my consumer report. Enclosed may be additional evidence to support my claim. 

Sincerely, 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 2019-11-03
Company: Rocket Mortgage, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Quicken loan ran my report 3 times in short period without my knowledge or permission. I never signed any agreement ( written or verbal ). I think this is fraud. I will not except no on this. I will message as many times needed until it's removed. I own my house deed and all. I can prove this. There is no need for me to apply for a home loan when I own one out right

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has placed this debt on my credit reporting negatively with no validation that it is my debt. The amount owed is said to be XXXX I have no knowledge of this debt and would like it removed from my credit file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
M & T refuses to answer my numerous email phone calls and messages. I have also contacted the office of the president and I get no response either. I made a deposit on XX/XX/26 of {$1200.00} confirmation XXXX and my money was withdrawn but never put into my other checking account. Where is my money? Also, M & T promises that when you do transfers that the funds will be available the next morning. This is not the case. Once again I have incurred over {$700.00} in NSF fees because I do transfers but the money doesnt deposit. This is one of numerous situations. M & T owes me my {$1200.00} as well as my {$700.00} in NSF fees for not depositing money on time.

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 2022-02-19
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank was paid in full payment but they are holding the funds for 7 business days they will not let me access my credit card I only have this credit card I am stranded in California I need 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 2019-07-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX The company was XXXX and reported late and I was never late. Company reports the wrong amount and based it on biweekly payment. I was never late on this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Equifax, XXXX, XXXX  XXXX XXXX balance XXXX is not my account but on my credit ( Equifax, XXXX, XXXX  will not remove and XXXX will not answer my calls ) XXXX   XXXX XXXX reported on Equifax not my account XXXX XXXX XXXX   {$990.00} Reported on XXXX, Equifax, XXXX not my account and was not removed XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance on XXXX  & XXXX and was not removed XXXX collection account doesnt belong to me and was not removed. 
XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$950.00} Original creditor : XXXX XXXX XXXX XXXX   XXXX Last reported XX/XX/XXXX {$510.00} Reported balance on XXXX  and XXXX not my account XXXX collection account reported on my report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX closed account reporting on my XXXX report that will not be removed it doesnt belong to me ( Equifax Equifax inquires that are not mine contacted equifax and creditor to remove but no help XXXX XXXX, L Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX inquires not from me. I have reported by XXXX   has not removed XXXX Inquiry from XX/XX/XXXX Bank XXXX-XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Acc Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Auto Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX inquires that do not belong to me XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: SC
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:
I already told them this info is not mines and im victim of identity theft. I need this info removed please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Guild Mortgage Company LLC
State: TX
Product: Credit reporting 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 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation