BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-15
Company: EQUIFAX, INC.
State: OH
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:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I left XXXX, XXXX on XX/XX/2020 and moved to XXXX, XXXX for a temporary stay about two weeks. When I was at the airport waiting for my flight to XXXX XXXX, XXXX on XX/XX/XXXX, I noticed that there were some unauthorized transactions on my credit card, which I always brings with me. I called the Barclays Bank immediately and they said they would reverse the charges. The unauthorized transactions happened between XX/XX/XXXX and XX/XX/XXXX. Most of them happened in XXXX, XXXX and some were from online store. In total, it was about {$400.00}. By the way, I went to XXXX XXXX for a personal trip between XX/XX/XXXX and XX/XX/XXXX, meaning I was not even physically in XXXX, XXXX, making it impossible for me to make the transactions. A fews day later, I received the credits for all unauthorized transactions. However, about 10 days ago ( On XX/XX/XXXX ), I got a letter from Barclays Bank saying there are three transactions which were made with the chip.The total amount is about {$160.00}. They said my card had to be present to make chip transactions and decided to put the related charges back on my account. As I said before, I was not in XXXX and I can prove that either with the receipt from a hotel or the GPS location on my XXXX XXXX. The Barclays Bank is accusing me of making the transactions which I never did and refused to drop the unauthorized transactions. This is ridiculous.

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 2022-12-20
Company: EQUIFAX, INC.
State: MS
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 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 you are 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 block/remove these files. 
XXXX XXXX XXXX XXXX, PA XXXX PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone else be o g to XXXX o we XXXX ope XXXX XXXX t out y pe ss o. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
On Wednesday, XX/XX/2020, I asked for an advance of {$1000.00} from PayPal. com online to come from my PayPal Credit out of money they stated that I had available for a short term loan. Just recently I had borrowed to pay for eye glasses - 2 pairs for a prescription. The money was advanced to me and I paid off the loan ahead of time. 

PayPal told me on Wednesday, XX/XX/2020, that I had a {$1000.00} going to my wife 's account to pay for services on her account and PayPal told me that the {$1000.00} was advanced from my PayPal Credit line but then it was held back as a Pending Payment situation - with NO explanation or a payment that was supposed to be immediate. 

This was on Wednesday that the amount of {$1000.00} was supposed to be advanced to me today, Thursday, XX/XX/2020. The amount is still pending so my wife is forced to get money from a XXXX bank account to pay the transaction at a price in excess of XXXX percent exchange rate between XXXX to XXXX dollars! 

That is extremely costly for her to complete that transaction and PayPal gave us false information that the money would be advanced from my PayPal Credit account to her bank account to save her over {$300.00} to transfer {$1000.00} from XXXX to XXXX. This is totally ridiculous on the part of PayPal.

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 2021-11-08
Company: Earnest Inc.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My lender is Earnest.com. My regular monthly statement should have been released on or about the XXXX ( XX/XX/XXXX should have been the most recent ). They have not sent it. 

I waited a few days and called in and they said it was a known issue, still no statement. 

A few days later I received an email from them saying to log in and review my statement, still nothing, so I called in the next day. They promised they were fixing the issue and the statement would be out by the end of the week ( XX/XX/XXXX ) - XXXX XXXX came and went still nothing. 

They don't have customer services on the weekends so today- Monday Morning - I called in and they now say they have no ETA on when the statement will be available. 

I have a quote from another lender to refinance this student loan. It includes a {$500.00} incentive and a lower rate. All they are waiting for is a statement from my current lender Earnest and I can not get it. 

Whatever their problem is, this is not a reasonable amount of time to wait for my monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: FREEDOM FINANCIAL NETWORK
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They told me they will help me with my debts and they took {$870.00} from me and they only paid {$160.00} for the creditor. 
They took all the money claiming that is their commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: TN
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 my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2020-08-14
Company: Experian Information Solutions Inc.
State: VA
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:
Submitted original dispute on XX/XX/2020 and its been over the 30 days period. Sent a vod letter. No answer.

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 2021-09-09
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan was sold by my previous mortgage servicer to XXXX XXXX XXXX  around XXXX of 2015. Since then, they have been adding a balance of about {$900.00} for legal fees that they claimed they inherited from my previous mortgage company. I have contacted them many times via phone and email asking for proof that I owe this legal fee, but they failed to show any signed documents showing that I owe this amount. My last conversation with them was today and the rep said she would send me the document showing what I owe and she basically sent me a payment history showing that I was never late and a letter from ShellPoint showing that I owe a legal fee of {$520.00}. I asked for rep for any documents signed by me showing that I owe this amount and I also asked her if this was something Shellpoint inherited from my previous mortgage servicer, how come they never asked me about it for 5 years and suddenly when the loan was transferred to Shellpoint, the legal fee was added to my monthly statements and she did not have an answer. At this point, I feel that ShellPoint is scamming me and I suspect fraud since they can't come up with anything. The only communication I received from ShellPoint was a letter stating that they would look into the request and let me know and they never got back to me. I disputed the amount several times but they never responded to my request with either evidence showing what I owe or a solution to resolve the situation. I would like this fee removed since ShellPoint can not provide proof. I am attaching a copy of my statement history showing that I was never late for a payment and a copy of the account status document they sent me when I asked for proof showing that I owe this legal fee. My loan number is XXXX, mortgage services, Shellpoint Mortgage, XXXX, SCXXXX, phone XXXX, www.shellpointmtg.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: VA
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:
Submitted original dispute on XX/XX/2020 and its been over the 30 days period. Sent a vod letter. No answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX ( A COLLECTION AGENCY ) INTERCEPTED MY STATE REFUND FOR THE AMOUNT OF {$740.00}. 

I CALLED THEM AND I ASKED WHY THEY INTERCEPTED MY REFUND, I FILED BANKRUPTCY AND WAS DISCHARGED LAST YEAR 2018 THEN WHEN SHE REVIEWED MY ACCOUNT AND FOUND THE NOTE ABOUT MY BANKRUPTCY BUT SHE IS STILL ASKING ME TO SEND THEM COPY OF DISCHARGED LETTER AND COPY OF MY ID ETC ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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: Information belongs to someone else

Complaint:
After reviewing my credit history I noticed a few account I have no knowledge of and believe my identity has been tampered with. I did not authorize any of these accounts nor have I inquired about them in no way. With that being said I would like this matter to be resolved by having them removed immediately.

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 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Submitted original dispute on XX/XX/2020 and its been over the 30 days period. Sent a vod letter. No answer.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Attorney XXXX XXXX ( Child Support Division ) # XXXX ( XXXX ), Account name : Chapter XXXX Bankruptcy : Bankruptcy # XXXX ( 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-25
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a letter from BSI Financial services today XX/XX/XXXX to welcome us as a new customer for our mortgage loan and stated our principal balance is XXXX. The letter is dated XX/XX/XXXX. It has our names and address on it and where to send payments and a form for automatic withdrawals. However, we do not have a mortgage loan with BSI financial services and have never even heard of them. Our mortgage account is and always has been with XXXX XXXX and our principal balance is XXXX. I called XXXX and they did confirm that our mortgage is with XXXX XXXX  since XX/XX/XXXX and to disregard this letter. I am not ok with disregarding the letter as they have our information on this letter and to me this sounds like fraud and violating the consumer financial protection act ; which BSI have already been sued for. We would like this investigated and why they have our information and a supposed account number with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Prior toXX/XX/XXXX, I lost my job Due to COVID and was surviving strictly off of my savings. I was unable to pay the minimum payments on my Macys credit card. About a month later, I got employed and began making more than the minimum payment required on the card. My balance went from {$1400.00} to {$100.00}. I contacted the Macys credit department and explained that I was going through financial  hardships at the time, and would like to know if they could move the negative reporting from my credit. I was advised that even because of my financial hardship, they could not remove the reporting. They did however waive the derogatory reporting and sent me a letter waiving it. This letter however does not change my credit score. Im currently working towards purchasing my first home and Id like to have excellent credit by XX/XX/XXXX. Having this payment on my credit report makes it harder to reach my goal. I think Ive proven myself worthy of making payments on time and would like for the one late payment to be removed. Attached to this is the letter I received from Macys waiving the late payment.

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 2023-07-20
Company: EQUIFAX, INC.
State: AZ
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The creditor goldman sachs bank usa, has ended the contract with the consumer. I sent a payment via certified mail to enroll in a repayment program in which this creditor took the payment and denied enrollment in this program, they soon decided to charge-off the account days after. They continue to report on my credit report every month. They have acquired a very agressive and deceptive law firm called XXXX XXXX XXXX XXXX. I requested information related to the debt amd they did not provide requested information. I was forced, by the law firm acquired by goldman sachs bank to debt validation response via certified mail. I have lawfully responded to their claims and concerns, and have been neglected by the law firm and by the original creditor. Deceptive tactics for debt collection have been made by the collectors and misinformation and disinformation has been shared and provided by both parties. I send offers and I sent letters of consented communications, and both parties decided to neglect these attempts made by the consumer to satisfy or negotiate this debt. It has been more than 90 days and has not been resolved.

Company response to consumer: Closed with explanation