BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me XXXX XXXX and is having a negative impact on my sleep. It is challenging for me to accept this situation.

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 2022-11-21
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-06-17
Company: ORG GC GP Buyer, LLC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX XXXX a federally protected consumer was sent a collection notice from GC SERVICES LIMITED PARTNERSHIP on XX/XX/XXXX XXXX. GC SERVICES LIMITED PARTNERSHIP has violated federal law when they a debt collector sent a bill to my home saying that I owed them {$11000.00}. They violated my consumer rights right there pursuant 15 USC 1692b. They also violated 15 USC 1692b ( 5 ) 2 TIMES, 15 USC 1692B ( 2 ) and 15 USC 1692c ( by sending the letter to my home ). There was no proof in the letter that said alleged debt was owed, no contract with my signature on it, just some nonsense about XXXX, XXXX was the original creditor but according to congress I am the original creditor so how can XXXX, XXXX claim this? What is happening here is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sent a job for a XXXX XXXX. Stated that it would pay XXXX weekly. I just need to send money to my Bosses clients. When is did I learned that the check I received was fake and I got scammed {$100.00} of my own money. He was suppose to send me money so I could sent it to his clients he said he would pay me back and he ghosted me. This happens XX/XX/2023 but then throughout the week after he would text me to try to get me to send money to his other clients but I declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX-Balance {$0.00} XXXX-Balance {$14000.00} XXXX XXXX-Balance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am filing this complaint cause I got a personal loan from Marcus by Goldman Sachs on XX/XX/XX/XX/XXXXthe partial account number is XX/XX/XXXXXXXX I went to purchase Credit monitoring with XXXX and was denied access to my credit report. When I called XX/XX/XXXX Customer service I was told that one of my creditors which is Goldman Sachs was reporting my account with the social security number transposed. They are reporting XXXX and my social is XXXX. 

I was told my credit file will remain supressed until Goldman Sachs corrects the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
so this is second time the bank has frozen my account. I went to a near by branch to help me unblock my account so I can be able to use my card, so I can put gas in my car. Mind you, I was already on my way to my job training at work, when I my gas light came on. Me already knowing that my account was blocked and I was not able to use my debit. I had to wait for a branch to open which it was a Saturday XX/XX/2021. I walked into the branch and explained to the banker my situation. So unblock my accounts, a banker had to call the fraud dept, so the banker can let the rep of the fraud dept know, and verified my identity. In which the banker was on the phone for over 2hrs. And I had already let my trainer know, that I was going to be late. Since the banker took over 2hrs, I could not make it to my day of training and was told that a HR rep would call 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 2021-06-17
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been recieving phone calls for months, they will call twice in the morning and twice in the evening all week long. This is interrupting my life while on other important call, at work, praying, family time. This is completely disrespectful and against the law. I am exercising my rights as Credit Acceptance Corporation has violated my right under 15 usc 1692c subsection ( 1 ) and ( 3 ) I never gave Credit Acceptance Corporation any prior consent to communicate to me. Credit Acceptance Corporation had also violated 15 usc 1692d subsection ( 1 ) by threat of use of other criminal means to harm property of any person. Subsection ( 2 ) The use of obscene language. Subsection ( 5 ) Causing a telephone to ring. XXXX1 was the last day I notified they to not contact me while on the phone I had to let them know it's a violation under 15 usc 1692c.

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 2022-02-04
Company: Experian Information Solutions Inc.
State: OK
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:
An unauthorized hard inquiry showed up on my credit report on XXXX from XXXX XXXX XXXX XXXX XXXX. I immediately contacted all XXXX credit reporting agencies to place fraud alerts on my credit report. I have also contacted XXXX XXXX and alerted them of the potential identity theft. I was informed by the bank that a credit card application was submitted using my personal information. They have canceled the application and offered to send letters to credit bureaus to remove the inquiry from my report. 
I am filling this report for record purposes.

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 2022-02-04
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX XXXX XXXX  Account # XXXX is reporting as an delinquent account that I have for over 5 years with no late payment and this is inaccurate. I have never missed a late payment within the 5 years I have had this account so for the Late payments on XX/XX/2018, and XX/XX/2018 marked as 30 days and 60 days late respectively has to get updated across all XXXX bureaus and reported right as this is inaccurate and all inaccurate, wrong reporting information has to get removed from the credit report according to the FCRA. See attached documentation.

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 2019-04-07
Company: CMRE Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got a detoragorty remark on all three credit reports and never received a bill. I would like this removed placed by the collections agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan through Great Lakes borrowing service was recently transferred to the likes of Nelnet. I added my bank information to set up autopay. I also decided to pay down a sizeable chunk to shorten my timeline. 

After several days, I noticed no sum was deducted from my account. I logged back into my account to find that the payment was listed as " last payment received '' with the correct amount, but there was no history, record, or paper trail of the transaction. As my auto debit was due, I saw that too was reclassified as " processing, '' only to find two days later that it was canceled by Nelnet.

All information regarding my banks was correct -- I wouldn't have been able to get as far as I did if it wasn't -- but this company has the inability to process a payment while allowing interest to accumulate. I am fundamentally unable to pay off my loan to a servicer who refuses to accept my money. 

Further, upon logging in, I can NOW view my Nelnet account, consisting of : - No due date available - No recent activity ( i.e. payments ) - No available repayment status - {$0.00} current balance - The amount of my formerly active auto debit listed as received - My contact information, listed under the name " null null '' I am currently on hold going on 90 minutes as well. There does not appear to be any sort of recourse for a late or unreceived payment, as this company seems not UNDERstaffed, but UNstaffed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: PA
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 a follow up to complaint from XX/XX/2023. 
# XXXX I removed the accounts that were deleted from the prior investigation. I AM FORMALLY REQUESTING A RE-INVESTIGATION INTO THE BELOW LISTED ACCOUNTS. PLEASE DELETE ALL LISTED ACCOUNTS BECAUSE THEY ARE INACCURATE AND DO NOT BELONG TO ME. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX PH NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX DEAR EQUIFAX, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 

RE : to dispute inaccurate information on my credit report After reviewing my credit report I noticed some inaccurate accounts on my credit report. I have no knowledge of these accounts. The following accounts are negatively affecting my credit rating and file. Please delete the listed items from my personal credit file. These accounts are fraudulent and I am requesting all be removed immediately. 

This letter serves as my official request to have the aforementioned item to be deleted off my credit report, please remove the following accounts below : 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 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 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 Once your investigation has been completed, please notify me by mail to the above address listed. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I applied for a job on XXXX  app on XX/XX/XXXX, to work from home since I just had a XXXX. On XX/XX/XXXX a guy name XXXX XXXX asked if I was available for an interview, he asked me a few questions related to the job, within an hour he said I was hired an sent me the offer letter, it had the name of HR manager of XXXX XXXX XXXX XXXX, I XXXX  her and she is the manager of that company so I thought it was real. He said that I needed an XXXX, scanner, printer, XXXX  and some programs. Before starring that they will give me the checks and I will pay their vendors which I did. XXXX XXXX and cash app to XXXX XXXX. After I had the funds available I paid and then this guy XXXX blocked me, I received an email from my bank stating that the check was a forgery. I need help, the total amount is XXXX dlares the first one is for XXXX dlares ( XXXX XXXX say they cant do anything and they other one was for XXXX dlares. Please help I truelly need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Mid-South Adjustment Co., Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote a letter to Mid South Adjustments that was delivered on XXXX asking them to send me proof of debt. they sent me a medical statement for an individual by the name of XXXX XXXX dated for XX/XX/2021 for an abulance bill at an unknown address in XXXX XXXX Arkansas for {$1000.00}. Not only have I never gone by that name but I also was not in that state at that time. I am a XXXX XXXX XXXX XXXX and have been recovering from a XXXX XXXX in the state of New Mexico where I have resided for several years. So this can not be me. I responed yet again to this merchant advising them to provide adequate proof and that was delivered to them on XXXX and also again I wrote them again advising them that they needed to remove this from my credit since they could not provide adequate proof of contract or verification not to mention the HIPPA violation that they are clearly violating by sending me medical paperwork for a XXXX XXXX in the state of AR where I could not clearly be when I have medical documentation in New Mexico clearly showing I have been being treated in the state of New Mexico even to the same time frame of this claim. I am able to provide proof of all letters signed for and sent as well as medical documentation showing that I have been in the state of New Mexico and would like this to be fully investigated and removed from my credit as fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: ONEGO Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/19, a payment was submitted from my personal bank account to a loan consolidation company called, " Federal Consolidation '' based out of XXXX, TN for the amount of {$260.00}. The next day, XX/XX/19, this payment was cancelled by the company but I never received the corresponding refund to my bank account of {$260.00}. I spoke with a representative from this company who told me I would be receiving this refund soon. It is now XX/XX/19, and I have still not received this money and I can not reach this company by phone or by email to determine the status of my owed refund. The company has not reached out to me in this period of time to resolve the issue of the refund. I spoke with my federal loan servicer and have requested to cease services with " Federal Consolidation ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These three credit bureaus are causing me physical harm with there reportings of negative and hard inquiries all over my credit report. They removed these inquiries after our first letter then they added back these negative inquiries which caused my score to drop tremendously in the middle of a deal. These are law violations, privacy violations, through multiple channels : Federal credit laws including the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ) 609 of the FCRA or Fair Credit Reporting Act, and the Fair Debt Collection Practices Act ( FDCPA ) .. laws that govern reporting of this nature I am requesting an authorization document showing I gave consent to report my personal information publicly. Your reporting is causing me major compensation that I intend to retrieve. If you fail to resolve this issue. My next step will be an audit and notifying all the above channels of your actions along with the Department of Transportation.

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 2021-12-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Experian Credit Bureau. Sending them a Complaint last time and i have not received any response up to this date. Therefore, Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the concerned Inquiries that need to remove : XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXXXXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/202XXXX XXXX-Date of inquiry XX/XX/2021

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 2021-09-09
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being sent to collections by an insurance company that I still have a paid up policy with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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've contacted all companies and have been constantly ignored about this ongoing fraud activity that's being reported on my credit report. The following items are not mines and I request that XXXX, XXXX XXXX & CAPT/SAKS FIFTH AVEN remove immediately. 


The following items are fraudgalent and unauthorized. 


XXXX Creditor XXXX XXXX inquiry date XX/XX/2023 XXXX Creditor CAPT/SAKS FIFTH AVEN inquiry date XX/XX/2023

Company response to consumer: Closed with non-monetary relief