BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: MVBA, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an unpaid speeding ticket and failure to appear ticket. I paid ticket on XX/XX/. For TWO years I have been getting phone calls and mailers about this unpaid debt. I have contacted McCreary Veselka Bragg and Allen PC multiple times as well as filing complaint with Attorney General of Texas. MVBA changes the reference number and keeps harassing for payment for the SAME fine and ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit 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:
Goldman Sachs credit card ( for Apple ) is falsifying credit card dispute investigations, so that they can deny the disputes, and not follow the rules of engagement for XXXX!!!! 

XXXX XX/XX/XXXX : i made a purchase for my XXXX pool heater display part via website XXXX XXXX XXXX XXXX XXXXXXXX? XXXX > never received an order confirmation email and never the purchase that was very much needed >. filed a dispute with Goldman Sachs. The website was a fraud and no longer accessible by this time and the address for the transaction posted on my statement was false! I provided GS with the URL and screenshots of the product order. 
TRANSACTION ON STATEMENT : " XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX '' > over two months later, I received an email from Goldman Sachs telling me my dispute was denied based on proof that I recvd my purchase. Of which is 100 % falsified!!! 

> I've escalated four times with their " representatives ''. I have been promised the dispute was re-opened and I will be contacted., then later promised they were mailing me copies of everything, I have been denied a phone call from their security/investigation department. I have been denied a return phone call from their customer advocacy department or mgmt. And the mastercard charge has been put back on my credit card!! 

as a matter of fact, I spent the entire summer still looking for the part I needed. And found it in late XXXX. I can provide proof of that too if needed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid for the purchase and balance of {$15.00} in XX/XX/XXXX. 

XXXX XXXX, XXXX did NOT credit my payment and charged late fee of {$29.00} I called and was told PAYMENT would be credited to account and late fee waived. 

I continued to receive statements showing more LATE FEES of {$39.00}, {$39.00}, {$39.00}, {$40.00}, and {$41.00} until the balance is at {$280.00}. 

XXXX 's charged off and sent debt to collection agency XXXX. 

I have faxed to XXXX 's on XX/XX/XXXX and emailed to XXXX on XX/XX/XXXX but have not received any response.

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 2022-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I filed a dispute in regards to the item on my credit report it has been we'll over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: WA
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
I have attempted multiple times to dispute hard inquiries on my credit report from XXXX  and equifax and they refuse to remove them. They claim that they are accurate and I have disputed that they did not have my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: United Shore Financial Services, LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XX/XX/2023 ' got HELOC LOAN from UWM united wholesale mortgage. loan # XXXX $ XXXXtold interest only for 1st year, {$430.00} monthly.starting XX/XX/2023. i set up auto pay on XX/XX/2023 '. heard nothing from UWM until XX/XX/2023 ' when a letter stated they sold loan to XXXX XXXX XXXX # XXXX.i called XXXX to set up auto pay but told loan not there yet, wait until i get packet from XXXX  create acct. get new loan #. on XX/XX/2023 ' i was checking my banking acct 's & saw UWM on XX/XX/2023 ' UWM had withdrew {$1600.00} from my acct!! i called & was told i was late & XXXX & XXXX payments not made!! i said i had XXXX XXXX, no answer!!!! i called XXXX & again told loan not there yet. then on XX/XX/2023 ' i get letter from XXXX saying my loan was in XXXX, they wanted {$2700.00} + {$430.00} to get loan up to date!! i called & told them UWM messed up, i hade auto w/d, so how could i be DEFAULTING?? tehy didn't care, so i paid the $ . now if my auto pay was not set up, how did UWM withdraw the {$1600.00} yet not my auto payments for XXXX & XXXX?? ALSO when they sold loan where did that $ $ go because i hade to pay AGAIN for XXXX & XXXX, paid twice plus put my CREDIT AT RISK WITH DEDFAULT!!!! i'm at a loss??!!! i don't feel i did nothing wrong, both of these companies UWM & XXXX [ i filed a complaint against SLS with you as well ] are shady, i double paid, i have email showing UWM was deducting XXXX payment on XX/XX/2023 ', no mention of problem!?!?! THANK YOU FOR YOUR HELP!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: PA
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:
so im going to get my first apartment and check and realized that i had over a 7 hard inquiry on my credit report from the car dealer ship that ran my credit when i was getting my first car i was not arthorized that they was gon na non stop run my credit report with different lendors intill i get a proof and i feel like they type finessed me because thats when i first started my credit to cause i just turn XXXX and had no Experience now that i am older i realize that all those inquiry should not be reported on my credit report because they are breaking my fair credit report act and my 15 u.s.c 1681 law the unarized inqury already got removed off XXXX and XXXX there only reporting to my experian and when i call experian they keep lying to me say that all the auto loan inquiry count as one but when they was removed off my other 2 barrals XXXX  and XXXX my credit report when up over XXXX point and all my scores was the same before i got them inquiry removed off XXXX  and XXXX and i been disputing this stuff with experian for over a year now sending letters and everything and all there agents a rude and dont help. 


these are the following inqury reporting on my experian report that should be romoved XXXX XXXX XXXX XXXX XXXXXX/XX/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 again i do did not arthorized nun in theses inqury and all ready had them removed from XXXX and XXXX and see the impact and the differents from the report and by the way i been fighting this situation for about over a year now i was told a lie from a experian angent that these inquiry was not harm full and was counted as one but now i see the real impact once they was removed of XXXX and XXXX  and truly up set for experian lying and breaking my fair credit report act

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 2023-11-04
Company: EQUIFAX, INC.
State: MD
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 account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, {$3100.00} was withdrawn from my checking account in person from the citizens branch of Frost Bank. The ID used was not verified properly nor confirmed with the person using it to withdraw my money, which is a horrible mistake of security by a bank whose job it is to protect my money. I have yet to receive my money back in either a credit nor actual amount and it has caused me intense financial harm. I am currently going through full identity theft and have provided them with an ample amount of information to prove it was not myself who withdrew the money including having my manager provide a time stamped set of job information pertaining to my workplace and a set of contacts that could confirm I was nowhere near the area when the withdrawal happened. They have refused to answer my calls and have not provided me with any information regarding the claim in 4 days. The bank made a grave mistake and it is now costing me more than it would have in the first place if they would have refunded my money and instead I am unable to pay my bills because of their corporate protocols.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTN : XXXX XXXX  XXXX RE : XXXX XXXX XXXX  XX/XX/2022 Recently, I, was denied an extension of credit by XXXX XXXX XXXX XXXX XXXX On XX/XX/2022 I applied for a XXXX XXXX account. 

AS you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim in adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( XXXX ) and you assume civil liability pursuant XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the letter you sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

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 2023-01-29
Company: Goal Structured Solutions, LLC
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: Account information incorrect

Complaint:
In XXXX of XXXX originally applied for and received a loan of XXXX dollars from XXXX XXXX ( XXXX XXXX. No. : XXXX XXXX ( XXXX ) a company whose loan products seem to now be owned by XXXX XXXX ( XXXX XXXX XXXX ). On XX/XX/XXXX, Launch Servicing LLC ( launchservicing.com also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 ) assumed servicing of the loan. I have since paid the balance down to XXXX dollars ( as of XX/XX/XXXX ). However, on my XXXX credit report it still shows a balance of XXXX dollars dating from XX/XX/XXXX under lender name of " XXXX ''. 

A few days ago, I contacted XXXX repeatedly and even filed a dispute resolution request online with them. XXXX then rejected the request and upheld the false balance entry, citing the fact that the lender maintained the balance is correct. ( I do not know if they spoke to XXXX, XXXX XXXX or Launchservicing ) to make this determination. I then contacted XXXX XXXX via phone, who refused to help in any way, giving me the phone number for launchservicing.com. I called launchservicing.com and they said it is XXXX 's responsibility to report the loan correctly, not theirs and that they ( Launchservicing ) had been reporting for me monthly ( a claim that is false as there is, as of XX/XX/XXXX XXXX PST no entry for Launchservicing.com on my XXXX credit report ). In sum, launchservicing.com puts the responsibility on XXXX and vice versa. XXXX defers to the " lender '' - I do not even know who they spoke to or who the " lender '' is at this point. In any case, my credit score is unfairly and materially adversely affected by the false balance appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: TN
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 have filed the correct fraud paperwork and sent to the credit reporting agencies. They are not attaching it to my disputes and processing the correct dispute process according to the FCRA. I also have not gotten copies of the verification process per the FCRA. 

These are the accounts XXXX 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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2023-11-04
Company: EQUIFAX, INC.
State: FL
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 have requested numerous times to have a XXXX Charge off account removed from my credit reports. I have provided the court order dismissing the case XXXX brought against me for failure to provide the court any proof that this was my account. I have supplied that court document over and over and the credit bureaus refuse to remove the account. 

The account is not mine. I have stated that in court. I have stated that to the bureaus. Remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I got financed with XXXX XXXX XXXX they are located In California. I got the car XX/XX/XXXX. In XX/XX/XXXX, the loan was Paid Off. I was XXXX from my job of 18 years. XX/XX/XXXX & XX/XX/XXXX, paid late. It is Now XX/XX/XXXX, years later. I have hired XXXX XXXX XXXX and hired XXXX XXXX for years. I Mailed Many Many Certified to XXXX XXXX, with No Response! No Luck getting the Negative Derogatory Mark, impacting my Fico Credit Score. Please Help! Thank You.

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 2020-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
In XXXX XXXX, being XXXX years old, I filed for chapter XXXX bankruptcy for the first time in my life, after losing my job with XXXX XXXX in XXXX XXXX due to illness, which I was finally approved for Social Security XXXX  in XXXX, retroactive back to when I lost my XXXX XXXX position. 
Just prior to losing my job, I bought a new XXXX XXXX XXXX on XXXX XXXX, XXXX, financed by Bank of America. I have continued to make my {$550.00} per month payments on time. Since XXXX XXXX, Bank of America removed my online access to my car loan account, and stopped reporting my on time monthly payments to the 3 credit reporting bureaus. I have called Bank of America bankruptcy customer support 3-4 times since my chapter XXXX bankruptcy was discharged in XXXX XXXX, although my Jeep was never included in the bankruptcy filing. 
Even though my chapter XXXX was discharged in XXXX XXXX, Bank of America still refuses to reinstate my online loan access, and even more importantly, reporting my monthly on time vehicle loan installment payments. Bank of America also still has my account misclassified with the credit bureaus, as chapter XXXX and closed.

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 2022-03-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquiries on my credit report that needs to be removed.

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 2022-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my credit report that I have seen recently, that is negatively affecting my credit rating and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my credit report that I have seen recently, that is negatively affecting my credit rating and scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Signed up the XXXX XXXX Credit Card issued by Synchrony Bank. The signup offer listed XXXX points after {$3000.00} spent in the first 90 days. I have since completed the required spend on the card but have only received XXXX points instead of the XXXX listed.

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