BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX  ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX Bank forward an amount to Resurgent Capital Services for an amount of XXXX $ unlawfully racking up a debt that I tried to inform XXXX  XXXX bank of fraudulent charges. After unlawfully adding XXXX $ of extra charges they then forward this debt to Resurgent. I have been a victim of credit card theft and was trying to get it fix to only find out I had to report my findings within 60 days and it was too late, I had my card half way paid off and then an unknown charge of almost XXXX $ was made and for some reason my account went in the red. I feel as though I am not responsible for this debt as I tried to fix it and was denied ; now Resurgent Capital Services wants everything but my kitchen sink for proof of this happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This account was opened on XXXX 2022. There has been only XXXX purchases and XXXX payments. While I was setting up the payment information, I typed the wrong routing number. I contacted the company right away to let them know. Still the company try to do a collection which it did not go thru due to wrong account. To prevent my payments to be late I made a payment, with no difficulty since I had already straightened the problem. On XX/XX/2022 the statement is telling me I have a balance which is completely wrong as I had already paid more than it was due to bring the account to zero. I am still been charged for the first payment that was schedule that did not go thru. I have contacted the company XXXX times. I have records with time and dates. XXXX of the times I have written to the company explaining the issue. I printed All the statements so they can see were the problem is, hoping they will go month by month as I have requested multiple times. I really need helped with this. Just getting aggravated when dealing with a huge company. Ready to send you more info. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX XXXX is reporting that I owe {$89.00} to them for insurance that I cancelled by phone because the insurance was cheaper at my current carrier it was paid in full up until I cancelled on the phone. I do not owe this debt If not deleted from my credit reports I will sue XXXX XXXX XXXX and Transunion. I have contacted a lawyer on this matter and will sue if not deleted. I have the right to cancel my insurance whenever I want

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 2022-10-31
Company: Experian Information Solutions Inc.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MO XXXX XX/XX/2019 XXXX If Experian feels there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian does not provide any records & claims the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-02-16
Company: EQUIFAX, INC.
State: OR
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:
For XXXX years I have sent Equifax my identity thief report, police reports letters from the DOJ prosecuting the victims and me being on the victim panels to help them be prosecuted and still Equifax wont take off the XXXX XXXX XXXX  XXXX the account was due to identity theft and closed due to inactivity because the thieves are in jail and my rights are being violated and the account is reporting paid which is incorrect because it totally different than the creditor was trying to collect. 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. 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. Thats not being done when the creditor took it off the other Credit Bureau records but Equifax is willfully violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was incarcerated from XX/XX/XXXX until XX/XX/XXXX, upon my release it was discovered that my identity had been stolen during my incarceration. This person had access to all of my personal information including bank accounts and credit cards. I notified the bank of the situation and they did an investigation, I was later notified that the monies transferred from my account would not be reimbursed because they do not believe there was a fraud involved. I have legal documents to prove that the transactions could not have been made by me as I was incarcerated, the bank did not allow me to prove this to them by asking for such documents. I am currently out {$1300.00} from my checking account.

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 2020-02-25
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have reached out to Ally Financial regarding my car loan. I called on XX/XX/XXXX and requested a re-write to lower my monthly payments to $ XXXX- {$300.00}, due to unexpected expenses. I have spoke to a representative and was given a case # XXXX for the re-write. I was advised to allow 1-2 business days for a call back for this rewrite. I have spoke to representatives in rewrite by the name of XXXX  and she advised me that I only made 6 payments since I had my car loan. I have had my contract car loan with Ally Financial since XX/XX/XXXX. I have made way over 6 payments on my car loan and was also given extension due to natural disasters. I have also spoken to XXXX ( customer relations ) that was handling this issue also stated I did not make consecutive payments in which is not a fact. I need this issue to looked as far as my payments and to have a re-write done on my account.

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 2022-10-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian and XXXX have not been properly investigating a inaccurate account on my credit report. They were notified of the issues with this account on my credit report on XX/XX/2022, and I still have not received a response or any resolution. They are stalling and are harming my reputation and violating my privacy in the midst of it all. The following accounts are to be permanently deleted : XXXX EXPERIAN and XXXX never verified that this information was accurate before placing it on my credit report. I have the right to fair and accurate credit reporting pursuant to the FCRA ; this negative inaccurate and unverified information listed on my credit report is exact opposite. Experian and XXXX was supposed to let me know that this account was going to be reported before it even hit my report and was supposed to give me the opportunity to direct that such information not hit my report. These transaction were not a matter of public knowledge or record and it is an invasion of my privacy which Congress says that I have a right to. Congress also says that they only have 30 days and it has been well over 30 days and I have not received any response. Pursuant to 15 USC 1681i, I want a description of the investigation procedure that took place as it relates to the above-mentioned accounts ; who did you all speak with, what are their addresses, what was asked, what was said, and when did this take place?

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 2022-03-25
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: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2020-02-04
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:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2022-09-12
Company: Genesis FS Card Services, Inc.
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:
I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit FEB/Gfscs Retail and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. I do not understand why they are abusing consumers XXXXThis 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 Transunion more than 21 times. transunion 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 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 2020-02-23
Company: AG AH LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I complained to my previous mortgage holder ( Arc Home LLC ) regarding the interest they charged me during the escrow closing when I refinanced the mortgage on my property at XXXX XXXX XXXX XXXX, XXXX CA XXXX. I sent them a letter on XXXX XXXX, XXXX via registered mail and got receipt that they received my letter. However, its been 7 weeks already and they still have not responded to my complaint. 

I sent the letter to Arc Home LLC Attn : Mortgage Resolution XXXX XXXX XXXX XXXX XXXX, VA XXXX and provided them my name ( XXXX XXXX ), phone no ( XXXX ), my loan account no ( XXXX ), and my address ( XXXX XXXX XXXX XXXX, XXXX CA XXXX ). Note that my loan to them has been fully paid off so this loan number is no longer active in their system. Below is what I communicated to them in my letter. 

XXXX On XXXX XXXX, XXXX, the above loan was fully paid off because I refinanced it with another lender. The escrow closing document showed {$1400.00} of interest was charged ( up to XX/XX/XXXX ) but also offset by a credit of {$370.00} ( from  XX/XX/XXXX to XX/XX/XXXX ), each one at a daily interest charge of {$41.00}. So effectively, my account was charged extra interest for 2 days ( XXXX XXXX and XXXX, XXXX ), even though the escrow already closed on XXXX XXXX, XXXX. This extra 2 days interest I believe should be refunded to me. If you think I miscalculated, then please provide me your own calculations that will show why those extra days interest should not be refunded to me. 

I had previously used your website to get this issue resolved but I only get an automated response and a ticket number and on my last attempt ( last XXXX XXXX, XXXX ), I got an email stating that your email id XXXX is no longer being monitored and I should call instead. However, when I did that, your automated phone system would not take in my social security number or loan number when prompted, so essentially your phone system would not allow me to be connected at all to any of your departments or to leave a voice mail. I sent an email to XXXX ( which I got from your website ), but I also did not get a response from that email address. 
=======================================

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-09
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
I am writing to address the ongoing issue regarding the inaccuracies present in the consumer report furnished by Westlake Financial on my behalf. The purpose of this letter is to formally request that all communications from your organization cease immediately, unless you are willing to compensate me for the violations committed. 

It has come to my attention that Westlake Financial has been reporting inaccurate information on my consumer report, which has had a detrimental effect on my financial well-being. These inaccuracies have caused significant financial losses and have hindered my ability to engage in various financial transactions. 

I hereby demand that Westlake Financial rectify the inaccuracies in the consumer report promptly. Furthermore, I insist that your organization ceases all communications with me, unless you are prepared to compensate me for the violations committed. This compensation should reflect the damages caused by the inaccuracies in the report and the subsequent negative impact on my livelihood. 

Please consider this letter as a formal notice to cease and desist all communications regarding the inaccurate consumer report. Failure to comply with this request will result in further legal action to protect my rights and seek appropriate remedies. 

I anticipate your immediate attention to this matter and a prompt resolution. Please confirm your receipt of this letter within 10 days. Any future communication from Westlake Financial should be in writing and strictly limited to the resolution of this issue. 

Thank you for your understanding and cooperation.

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: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have recieved {$270.00} in overdraft fees over {$8.00} purchases made on the XX/XX/XXXX and money was put in and cleared before they added on the fees. I am also opted out of overdraft and these were one time payments. 
I checked my balance before every purchase and its totally wrong what they do. 
They will show something as pending and then the charge disappears for two days and shows back up screwinf uo your balance. They will as the fee even after a withdraw is cleared and your account is positive. They charged me {$270.00} because of {$8.00}. 


Simply looking at my statements you will see that the money going in my account is more than going out and that even though they charged me XXXX my account is only overdrawn XXXX, and i have not added money since a fee was added. 
Clearly that being the case proves i never should have been given a fee since my account would need to have a negative balance greater than the fee since its a fee for covering my purchases. But they didnt cover any funds for me and the only reason im negative is their ridiculous fees. {$270.00} over {$8.00} is unjustifiable.

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 monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NC
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: 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 response to consumer: Closed with non-monetary relief