BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
XX/XX/23 I requested a call back from my student loan servicer EdFinancial. I got a call back from a representative XXXX and I advised that I wanted to get on the SAVE plan. She tried to steer me away and get me on the standard plan instead. She then put me on hold after verifying my income and dependents and then confirmed that I was eligible for the SAVE plan with {$0.00} payment. She said she processed it and I would be on the SAVE plan with {$0.00} payment. However, my account still shows in on the IBR payment plan with {$420.00} payment. I would like to have my student loans on the SAVE plan with {$0.00} payment as discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nothing is matching up. The amounts is incorrect. The dates is incorrect. I would like this resolved or removed off of my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Senex Services Corp.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX in XXXX XXXX continues to incorrectly bill me for procedures. XXXX XXXX XXXX XXXX has paid this bill and I do not owe any payments. They have repeatedly submitted fraudulent bills to me and now it is on my credit report. XXXX did a full review of my accounts and everything Ive owed had been paid. Ive had this recurring issue with XXXX XXXX and XXXX XXXX XXXX since moving to XXXX XXXX. Currently I am being harassed by Senex for {$300.00} that I do not owe. Ive disputed it and they do nothing about it. XXXX and XXXX XXXX have communicated but XXXX XXXX still sends fraudulent bills to me and the credit agencies..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-12-07
Company: Tactical Mortgage LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I started my home process With Tactical Mortgage. 
I was approved for XXXX My was for a 30 year Fixed FHA Loan I was advised to put down {$10000.00} Due Diligence fee. 
Up until underwriting I wasn't told I needed anything to put down towards closing. 
I kept asking and was advise that they are still running numbers to give me an amount. 
Two weeks before Closing I was advised that I needed another XXXX for closing. 
I responded and ask why and that I'm confused on why I have to put down so much more at such a short time frame. Then was advised that XXXX is durable and can work something out I also advised it was impossible and the agent ask if I could at least come up with XXXX. I said I can try. I manage to come up with XXXX the week of closing. 
To find out that they terminated my contract and I loose my house and XXXX I put down. After speaking with other loan companies. I was advised that with my income alone I should have never gotten approved for the amount of the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Experian Information Solutions 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:
I have disputed this multiple times with the credit bureaus as well as the creditor. None of which have provided me any proper validation of this account, also I have disputed the inaccurate information such as reporting dates. This account is inaccurate and derogatory, which is in violation of my consumer rights to the best of my understanding.

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 2021-12-04
Company: EQUIFAX, 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:
I have disputed this multiple times with the credit bureaus as well as the creditor. None of which have provided me any proper validation of this account, also I have disputed the inaccurate information such as reporting dates. This account is inaccurate and derogatory, which is in violation of my consumer rights to the best of my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was violated by FORSTER & GARBUS LLP. During the year of XXXX  as I was attempting to entering a transaction for a sale of a property. I was informed of a lien on the property by FORSTER & GARBUS LLP, for the amount of {$38000.00}. Exhibit A provided show how I was violated by FORSTER & GARBUS LLP, pursuant to the fdcpa. Violations 15 USC 1692a ( 5 ) ( 6 ), They alleged I was the consumer of the debt also they were/or is acting as debt collector even though they are a law office. Violation 15 USC 1692b ( 5 ) Not use of language that indicates that the debt collector is in the debt collection business. Violation 15 USC 1692e ( 1 ) ( 2 ) -- False representation that FORSTER & GARBUS ARE affiliated with the State of New York. Violation 15 USC 1692 ( 1 ) ( 2 ) Forster & Garbus reported inaccurate and negative on my credit reporting file, that made it hard to obtain credit. Violation 15 USC 1692h and Violation of 15 USC 1692j. Violation 15 USC 1692d ( 1 ) ( 2 ) obscene language and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I made a large prepayment on the principal balance of my mortgage that resulted in the payoff date being accelerated from XX/XX/XXXX to XX/XX/XXXX. In XXXX, I received my annual escrow statement from the bank. The escrow statement did not reflect the changed payoff date of the loan, and was requiring me to continue funding the escrow account as if the payoff date had not changed. Even worse, they were indicating I would have a shortfall and therefore were requiring me to INCREASE my monthly escrow payment. And even worse than that, the escrow statement plainly showed that the account already had enough money to fund any remaining payments to be made from the account through the end of the adjusted loan term. 

I contacted the bank and eventually was able to get the customer service representative to understand the situation, and they agreed to waive escrow. I asked if I would be charged for doing so, and I was told I would not be charged. 

Then, in early XXXX, I received a letter from the bank that they would be willing to waive escrow for a fee of {$32.00}. I immediately contacted the bank once again, demanding that they waive the escrow fee and was told the escrow department would have to handle the situation, and no, I could not speak to someone in the escrow department since they do not accept outside calls. I have yet to hear back from them more than six weeks later. 

Obviously the fee is a minor amount. What concerns me more is that the bank has clearly not programmed its systems to accurately reflect the impact of making prepayments on the loan. The impact to me was minor, but must result in significant overfunding of their escrow accounts, accounts on which they earn interest, but the mortgagee does not, i.e., they earn a lot of money unfairly based on their own mistake ( whether intentional or deliberate ).

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 2021-12-04
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I was asked if I wanted to be prequalified for a Zales XXXX card and I specifically asked if she was going to pull my credit and she told me no that it wouldnt and that it was just a pre qualification. Then as soon as she told me no my phone started popping up with emails saying theres been a change to my credit report and she continued to tell me that it wasnt checked then I asked her one more time if it was pulling my credit and she said yes. A PRE-QUALIFICATION means that its supposed to be a soft credit pull. Now I have a hard inquiry on my account that I had given no consent to. This was at Zales XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CMC Funding, lnc c/o Specialized Loan Servicing LLC took over the servicing of my mortgage effective XX/XX/2020. I followed the instructions provided and mailed my XX/XX/XXXX payment to CMC Funding. The check cleared my bank on XX/XX/2020. Because of several mistakes made by CMC Funding detailed in my attached letter mailed to CMC Funding on XX/XX/2020, they autodrafted a second payment on XX/XX/2020. Contrary to my repeated requests for a return of the second payment they mistakenly autodrafted, they applied the second payment to the principle on XX/XX/2020. Only after further requests did CMC Funding finally return the second XXXX payment, which I received on XX/XX/2020, almost 40 days after they took the second payment. I asked for restitution for the loss of use of the wrongly autodrafted second XXXX payment, and the company 's response is attached. Basically, they have told me they are within their legal rights to wrongly take a second payment and they owe me nothing other than the return of the money, not even an apology for their error.

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 2023-06-24
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Dispute of Medical Collection Account on Credit Report by EQUIFAX XXXX XXXX I am writing to formally dispute the inclusion of a medical collection account on my credit report. I have recently reviewed my credit report obtained from your agency, and I have identified an account that is being reported by XXXX XXXX XXXX XXXX for a medical debt. 

I believe that the reporting of this medical collection account is inaccurate and in violation of applicable medical laws and regulations. I would like to bring the following concerns to your attention : 1. Failure to Provide Proper Explanation : The collection agency, XXXX XXXX XXXX XXXX, did not adequately explain my rights to dispute the debt. They insisted that the only way to resolve the matter was by making immediate payment. This practice misrepresents my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant medical laws. 

2. Lack of Verification : The collection agency has failed to provide sufficient documentation to verify the validity and accuracy of the medical debt they are reporting. As a consumer, I have the right to request and receive verification of the debt, including itemized statements and evidence of my agreement to pay. 

XXXX. Violation of Medical Laws : The collection agency 's insistence on immediate payment without providing proper explanation or allowing me to dispute the debt violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers by ensuring fair, accurate, and transparent reporting practices. 

Based on the aforementioned concerns, I kindly request that you initiate an investigation into this matter as per my rights under the FCRA. I request that you promptly contact XXXX XXXX XXXX XXXX to verify the accuracy and validity of the medical collection account being reported. 

Additionally, I request that you provide me with a detailed response within the legally required timeframe of 30 days, outlining the results of your investigation. If you find that the collection account is indeed inaccurate or unverifiable, I insist that it be removed from my credit report immediately. 

Please note that I am aware of my rights as a consumer and will take further necessary action to protect my credit standing if this matter is not resolved satisfactorily. I trust that you will handle this dispute with the utmost professionalism and adherence to the applicable laws and regulations. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the disputed medical collection account from my credit report. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXXXXXX XXXX XXXXXXXX this account doesn't belong to me. Please delete.

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 2021-12-21
Company: GOLDMAN SACHS BANK USA
State: NC
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:
I was recently called by a person impersonating an employee from the fraud department at Goldman Sachs Bank. The number they called from was ( XXXX ) XXXX. They convinced me that there were multiple large charges on my Apple CC and sent me a link to change my password, which I stupidly did. They put me on a long hold at which time I began to suspect it was phishing. I immediately hung up and called Apple support. My credit card was deactivated, but Apple refused to help me recover my AppleID even though they could clearly see that my recovery information had just been changed. They wouldnt even lock the AppleID so that the person committing fraud would be stopped from accessing all of my bank info, saved passwords, and online accounts. Im sure Im not the only person that has been scammed by whomever the XXXX phone number belongs to. The biggest lesson I learned is that no matter how many years you have used Apple nor how much money youve spent with them matter. They were more interested in protecting the scammers rights to my account than in helping me. The did send me a link to educate me about phishinga little late for it to be of any help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Professional Finance Company, Inc.
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional finance company of XXXX XXXX failed to receive insurance payment for my labs done in XXXX and XXXX. These labs were not paid for and then were continued to be sent to collections and affecting my credit score drastically while I was covered by insurance and was not responsible for paying the medical costs due to the fact I was covered by insurance for both labs. I have disputed and my dispute was deemed accurate but my credit score has not changed and the labs are still presented on my credit history. I have also contacted my doctors office several times who have also reached out to the company and insurance to fix the issue. Nothing has changed.

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 non-monetary relief
Consumer complaint received 2023-09-21
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX : I successfully open a Discover high yield savings account XX/XX/XXXX : I attempt to connect my bank ( Discover doesnt take my bank. doesnt tell me this though! ) - instead of giving me an error message it just locked me out PERMANENTLY for too many attempts. 
XX/XX/XXXX XXXX XXXX : I call Discover. They half remedy the issue by unlocking my account, I thought everything was fine. 
XXXX I find that I can't open new bank accounts. I can't connect accounts. Apparently Discover sent XXXX some message saying I'm negative. From what I'm reading this mark with remain there for 5 years. No other information is available accept that I have the option to ask for this report and dispute it. Notice how much I need to do because Discover 's platform doesn't inform you of THEIR website error. Websites are telling me " pay down debt '' as one of the steps. As if I did anything wrong or owe anyone money. 
XXXX I fill out my sensitive info for XXXX, click send, nothing happens. I try on a XXXX, same thing. I'm on a common laptop, like what's the issue? This is actually illegal on the part of XXXX, because they claim they will give me my report but it is inaccessible. I actually try to call, but the connection and accent is so bad I can't understand anyone and I give up. I promise I'm not being XXXX, XXXX XXXX ; I really struggle to understand heavy accents. Inaccessible information that is mine. Hours spent by now. 
XXXX I call Discover back to give them an opportunity to correct it ; the kind and unfortunate supervisor tells me that by their rules Discover can not do ANYTHING FOR ME! I have to reach out to XXXX. He was upset as well, he didn't even know this could happen to someone. 
XXXX filing this complaint. Will bring lawyers into the situation if needed. 

*This date was an error on my first submission for XXXX XXXX it was XX/XX/XXXX that I opened this account.

Company response to consumer: Closed with explanation