BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: AZ
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 contacted XXXX by phone on XXXX to report an inaccuracy being presented on my consumer report. I requested to have this account ( XXXX XXXX XXXX ) removed because the account does not belong to me. Further, XXXX XXXX XXXX violated the FDCPA rule XXXX since I was not notified in writing prior to this alleged debt being reported on my consumer report. 
XXXX is now requiring me to provide personal information and explain ( prove ) why this alleged debt/account does not belong to me. However, the entity ( XXXX XXXX XXXX ) was not required to provide any information whatsoever to prove the validity/accuracy of this alleged debt. Why do I ( the consumer ) have to prove why an account that was never validated DOES NOT belong to me when the entity is not required to do the same prior to reporting the account on my consumer report. 
The verifying documents that are being requested of XXXX ( from me ) have already been provided on numerous occasions via certified mail. I have attached these documents for review. Where are these documents being stored and why am I continually having to provide them when I identify an inaccuracy on my account. 
It seems that the credit bureaus are more supportive of reporting inaccurate information without any validation as opposed to recognizing an inaccuracy identified by the consumer and removing that inaccuracy in accordance with Fair Credit Reporting Act and FDCPA rule XXXX, Validation of Debt requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
SYNCHRONY BANK issued Amazon card. 
Could not locate the physical card to pay a {$2.00} balance. Payment was only possible through Synchrony, but without the card I could not register to login or login to the Synchrony site. 
I called Customer Service. Their automated service does not allow a bypass of the recorded messages ; no option for lost or stolen cards. You are forced to listen to a long list of messages before finally getting an opportunity to state your issue. 
The connection was bad - obviously overseas call centers- and the call dropped twice, forcing me to go back through the system. On one occasion, a representative actually was providing the credit card number ( without requiring any security questions ), but the call cut out. The third time I went through the system to reach a person, I was told Synchrony would have to issue a new card and it would take 10 days. I was able to get a supervisor, who did an ACH transfer to pay the {$2.00} bill. 
Synchrony should not be allowed to issue credit cards if it can't provide adequate support to cardholders, including the option to reach a representative in a timely manner ; immediate support in the case of lost or stolen cards ; security checks for provding card information. 
This is a very unprofessional operation for a financial institution. I appreciate your follow up to address the issues.

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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've sent in disputes to transunion, XXXX and XXXX. I understand that they have thirty days to re-investigate my disputes. They are over the time frame and nothing has been resolved. I reqested for charge offs and collections to be removed from my credit report because I never gave written consent for anything to be furnished which a direct violation. They're willingly and knowingly reporting inaccurate information without my consent. furthermore I have many inquiries reported as well as late payments which is clear violation. I have a right to privacy and my rights are being violated. I've sent to these furnishers clear written instructions and they are requesting that I re-send them in which I will not because I've sent them the exact same information three different times

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 2022-05-16
Company: Accelerated Servicing Group LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt this agency is trying to collect if from my brother. They call eventhough I tell them that this is not my debt and they need to contact my brother. 
I have been fielding calls from them for over 2 years. They ignore my numerous requests for the calls to stop coming to me and they have recently increased and they've become more aggressive. Today was the most aggressive that they ever been, by informing me that that my name was listed on an account that belonged to my brother ( which was false ) and they pulled up my credit report. The manager said my report looked good and that I had nothing to worry about. I told them they were not authorized to pull my credit report without my permission, and the rep said " Take that up with your Brother '' and hung up on the phone on me! 

I know they claim to record all phone calls for training purposes, so they called my home phone number ending in XXXX, today XX/XX/16 at XXXX EST, should a recording of the phone call needs to be confirmed. 

The debt is not mine, so the agency was in violation of the Fair Debt Collection Practices Act. The debt they are trying to collect was not mine, so they had NO RIGHT to pull my credit report!! I would like to file suit against them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My XXXX XXXX XXXX XXXX  was transitioned to Marcus Goldman Sachs in early 2022. I received communication from Goldman Sachs indicating that I would be able to continue using my credit card until it expired or until my new card arrived. According to the Marcus Goldman Sachs credit card tracker for locating my new card, it was requested on XX/XX/2022. On XX/XX/2022, I received an email from Goldman Sachs asking me to confirm a charge for {$2700.00} at XXXX XXXX XXXX in XXXX, Michigan. I responded by selecting No, I did not recognize the charge ( because I was in North Carolina where I live and have no reason to spend {$2700.00} on phone repairs ). I called customer service immediately and closed the card. I was told that I would receive a new card in the mail and to no longer use the card in my possession. I called Goldman Sachs, numerous times, sitting on eternal hold and unable to speak to customer support. I engaged in chat feature several times, where the chat person tells me that that card has not been shipped yet, and I should see it in XXXX. Yes, it is only the first week of XXXX, but I requested a new card XX/XX/XXXX, and on XX/XX/XXXX, I needed and verbally requested a new card due to an attempted fraudulent charge. It seems excessive to wait two months for a replacement card and not have an explanation why it has not been sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
2 1/2 years ago I applied to refinance my mortgage with Wells Fargo. I had been with them for 15 years, had a high interest rate and needed to lower it. After 3 months of waiting I was refused. I tried to sell my condo 6 months later, had a buyer but she backed out at the last minute. This year in XXXX I tried for assistance with Wells Fargo, due to Covid I was having problems affording my mortgage. After 2 months I was denied. They say they are willing to work with me but how?. They suggested forbearance for a few months. I am XXXX years old, XXXX  XXXX. How could I possibly do that??? Where is the money all of a sudden going to come from, that would put me more in debt!! This doesnt make sense to me. I barely get by and have exhausted my savings. I dont want to go into foreclosure. I was an excellent customer for 15 years so why are they not helping me?? They pretend they want to and then fail to No one will help me unless I am in foreclosure. This is just awful.

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: 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2022-10-17
Company: DISCOVER BANK
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
DISCOVERBANK XXXXXXXXDate Opened : XX/XX/2017 Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
30 YEAR FIXED RATE MORTAGE. every month instead of a billing statement I get a letter stating the loan is delinquent and that the mortgage remains unpaid. the problem is that we make the payment ontime every month as we have since the beginning of the loan. have proof bank statements, copies of checks, etc. the lender is claiming an escrow account defficency .. another lie. the lender has raised the monthly payment twice and we make the higher payment. I have payed the insurance and property taxes myself out of pocket. so where the XXXX is the money being payed into escrow? the lender also is requiring an escrow balance higher than RESPA laws allow. I AM GETTING SCAMMED

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 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-04-22
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: 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 602A. States I have the right to privacy.

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

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 2022-04-22
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: 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 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It 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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im begging you please remove this to the credit 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 explanation
Consumer complaint received 2023-10-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called and spoke with representative because there was a late payment on my acct and my payment was never late. I was unaware that they sent payment back once I made a payment on the account. The representative looked into the matter and advised me to dispute because it shows my payment was paid on time but wasn't aware that payment was sent back.

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 2023-05-10
Company: DigniFi
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dignifi  is reporting inaccurate information.Dignifi has stated I was late on XX/XX/XXXXXXXX  and XXXX XXXX.I have a right to a accurate consumer report and by law I have the right to ask for a proper investigation into claims of the inaccurate information and FCRA Section 623 ( a ) ( 8 ) that allows the consumer to follow up with the data furnisher if they believe that the previously disputed account is inaccurate by requesting an investigation be done by the furnisher to prove the accuracy. Dignifi fail to report that consumer even disputes account.I have proof that Dignifi is inaccurately reporting and Im asking for {$1000.00} for each inaccuracy.Todays date is XX/XX/XXXX and I have proof that I paid XX/XX/XXXX Dignifi is reporting that I am 30 days late when in facts it not 30 days over delinquent date stated in federal law a Furnisher can not report an account as delinquent until 30 days 15 usc 1666b timing of payments addition to inaccurately reporting, Dignifi agreed to modify and defer payments. According to the cares act XX/XX/XXXX if your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the, the creditor must report your status as current to the credit bureaus. Under 15 USC 1681a ( i ) there is an exclusions as to on your consumer report containing information solely as to transactions or experiences between the consumer and the person making the report.late fees are transactions and should not be on consumer reports.This is affecting my life and living because of the illegal acts of Dignifi.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: OH
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

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2022-04-22
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-04-22
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As far back as XX/XX/2021, I've been writing to XXXX XXXX for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! Six months has been long enough. I want this account 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 explanation