BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: MI
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 a collections account from XXXX Accounts ( XXXX ) as being unverified and inaccurate with Equifax XXXX and they came back to me and stated they were able to verify this debt. How is this possible? After the breach at their company youd they would value reporting accurate information. 

Under the laws of the FDCPA, I am entitled to see the source of the information from the results of their investigation, which is the original contract that contains my signature but Equifax has not provided this information. 

Regarding the type of verification required by Section 809 ( b ) of the Fair Debt Collection Practices Act, Equifax is required by law to determine whether a collection agency for a medical provider fulfilled the requirements of that section if it produces an itemized statement of services rendered to a patient on its own computer from information provided by the medical institution... in response to a request for verification of the debt. How was this verified in their investigation? 

The statute also requires that the debt collector obtain verification of the debt and mail it to the consumer. A simple itemization of what the debt collector already has does not accomplish this purpose. As stated above, the statute requires the debt collector, not the creditor, to mail the verification to the consumer. 

After careful research, I have determined that this is not mine, and I have not been given any evidence of my obligation to pay this debt to this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
GOLDMAN SACHS BANK USA XXXX XXXX is being reported unaffiliated XXXX parties without giving me my disclosures. Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from GOLDMAN SACHS BANK USA and none of these documents have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Early Warning Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Early warning. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking. Also, I asked for them to send me records indicating those accounts on file needs to be deleted. They still not have corrected this error, I am litigious about getting this errors off my report. I can not open a checking account anywhere because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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 am filing this report today XX/XX/2020 because I found four accounts and a few inquiries on my credit report that do not belong to me. I never opened these accounts or made these inquiries and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services or any other benefit. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: OK
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 have NO contracts or business dealings with XXXX. XXXX and credit agencies along with XXXX XXXX who sold my information to XXXX without my knowledge, traded information to discredit my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
During pandemic all of the banks which I am struggling to pay actually worked with me to make adjustments to secure my credit rating and help lower rate in order for me to get my financing in control. The following bank I have notified several time their only concerns are their own. We the American people gave them a bail out when they had problems and it seem as if they have forgotten that. 

I sent emails to the CEO XXXX XXXX, XXXX and XXXX XX/XX/XXXX. I simply asked for adjustments of late charges and interest for the past yr. Ms XXXX XXXX did have a representative contact me ; however the representative assured me there was nothing that could be done unless I caught up all arrears on accounts. I am only able to pay minimum monthly to maintain my credit. Please see attachements

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I keep receiving statements in the amount of {$10000.00} on an American Express for which I have never had or applied for. It is showing on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: DE
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 NUMEROUS 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion : XXXX hours spent entering information to dispute XXXX credit card accounts on my credit report. Name corrections/deletions also submitted. After online submission, a pop-up stated that online disputation was temporarily XXXX, suggested calling an agent. 

Called the suggested number : agents in XXXX, passed from XXXX to another, XXXX not so good ; scripted responses ; not to over-tax the last agent, I supplied info re : only XXXX disputes ; tried to correct name issues ; i was presented with questions for verification in order to do so ; I failed on a question regarding current/previous ZIP codes, all of which started with XXXX. I never lived in a an area with a ZIP code other than those that start with XXXX. I answered " none '' to the XXXX ZIP codes starting with XXXX ; the agent said I failed and therefore could not make name corrections. 

Transunion, like the other XXXX credit bureaus, are much more interested in selling their identity products than they are with actually helping consumers with credit issues. All three should be investigated and managed appropriately by the CFPB. Their mission is to help consumers, not sell products.

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 2018-08-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX I received notification that a new collection account from PROCOLLECT , INC for {$550.00} was placed on my XXXX and XXXX  credit file for an alleged debt to XXXX XXXX. I have no knowledge of this account or alleged debt. I never receiving a dunning notice from Procollect Inc informing me of the debt and that they were in possession of this debt. 

On XXXX I disputed the debt with XXXX and XXXX  and that the account is not mines and I have no knowledge of this account. I also explained to XXXX and XXXX that I never received a dunning notice from Procollect and that this account needs to be deleted from my credit file. 

On XXXX I sent a debt validation letter to Procollect , Inc. 

On XXXX I received notification from XXXX that the account was verified and will remain on my account. XXXX has not been able to produce to me what was verified and by whom. No updated from XXXX has been received, however the account still remains on my credit file.

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 2018-02-14
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The seller, XXXX XXXX XXXX, represented by its servicing agent, XXXX and its listing agent, XXXX XXXX XXXX XXXX XXXX utilized XXXX as an auction platform to sell to the public their bank owned property known as XXXX XXXX XXXX, XXXX XXXX. 
Approx XX/XX/XXXX, we were the winning bidders and signed a contract to purchase said home and property. 

We initially were going to attempt to finance said property, but it appeared the condition of the home may not be financeable, so we dropped the price dramatically on a property we had in XXXX so we could perform and close escrow in a timely fashion. 

I was emailing the servicing agent but they were not responding so I called them around XX/XX/XXXX to get pay off information as our closing date was to be XX/XX/XXXX. 

This was when the servicing agent informed us that the seller could not perform or close escrow as ( 1 )  they owed a $ XXXX lien/there was a $ XXXX cloud on title and ( 2 ) that foreclosure had been done incorrectly. 

Shortly thereafter, the servicing agent, XXXX XXXX informed us it might be very easy or take six months to remove the cloud/lien, so they extended closing pending finding out. 

We were initially told that the attorney had a solution, but then we were called by our real estate agent and told that the servicing agent and listing agent needed to conference with us. This was approx. XX/XX/XXXX. 

Finally, the listing agent and senior escrow agent for XXXX XXXX told us in a conference call that ( 1 ) the seller did not have the legal right to sell the house or enter into a contract to sell it, ( 2 ) the $ XXXX first mortgage was sold to another bank and was having it serviced by XXXX, and ( 3 ) XXXX was canceling its contract as the sellers agent. 

XXXX, the servicing agent, then brought their Ombudsman in to resolve or find us a replacement home, to which we have gotten absolutely no help at all and no advocacy. 

This house was to be for my son and his family who were moving back to XXXX from XXXX so my baby grandchildren would have a stable home. 

My son and his family were on their way to XXXX when we had the conference call and they had to live in a motel, extend the time on their moving truck. They have XXXX small children and two dogs, so it was a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Block, Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Subject : Urgent Matter : Fraudulent Transaction and Lack of Resolution Dear Sir or Madam, I am writing to bring to your attention a serious issue that I recently encountered with Cash App, the digital payment service. I believe their handling of this matter directly contravenes federal laws concerning fraudulent transactions. 

On XXXX of 2023, I discovered that an unauthorized individual had transferred {$500.00} into my Cash App account. This person then proceeded to send these funds to another account under the name XXXX XXXX, all without my knowledge or consent. I had never granted this individual access to my account, and this incident has put my financial security at considerable risk. 

Immediately upon noticing the incident, I reported the fraudulent transaction to my bank, XXXX XXXX, who began a dispute process. Simultaneously, I contacted Cash App requesting them to reverse the funds to prevent my account from going into a negative balance. Despite my prompt communication, I received no assistance from Cash App. 

Today, my Cash App account is in the negative, and Cash App 's customer service has declined to investigate or provide any form of remedy. This disregard for my legitimate concern is not only extremely disappointing but also, as I understand it, a direct violation of federal regulations. 

As per Federal Trade Commission regulations ( FTC ), consumers are not held liable for unauthorized transactions that occur due to the loss or theft of their access devices, provided these are reported promptly ( Regulation E, Electronic Fund Transfer Act ). I promptly reported the unauthorized activity to both my bank and Cash App, fulfilling my obligations under the law. 

Cash App 's failure to assist me or investigate my claim effectively denies me the protection provided under federal law. It is important that their non-compliant behavior is addressed promptly to ensure that other consumers do not experience similar problems in the future. 

I request your immediate assistance in this matter, and I would greatly appreciate any help or guidance you could provide in getting Cash App to comply with their legal obligations and resolve this troubling situation. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When deposits hit my account the same day *checks* clear. The bank purposely clears the checks first to charge overdraft. 

Then the reflected balance indicates everything went through. Then 1-2 days later everything goes negative even though I had the funds in my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Commonwealth financial is the collection company.  Original creditor was XXXX XXXX XXXX XXXX XXXX.the original bill was dismissed says “No Charge left without treatment” That was 2 separate visits on XX/XX/2015. Amount was $XXXX each.both dismissed. But somehow collection company got this bills and debt went to credit report. I disputed but keeps pop up with different collectors. I called XXXX XXXX they said will delete both accounts with $XXXX.I paid this amount but they only delete one account. Account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: 1803 Capital, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
THIS 1803 CAPITAL LLC AND XXXX XXXX  IN CONCERT AND SYSTEMATICALLY HAVE COMMITTED EVERAL FRAUDS. I WAS GIVEN FALSE AND DECEPTIVE INFORMATION AS FOLLOWED : 1. I WAS ILLEGALLY OVER CHARGE BASE ON LOUISIANA LAW FOR THE YEAR OF VEHICLE AND THE AMOUNT FINANCE IN CONJUCTION WITH THE INTEREST I BELIEVE 22 % IS THE HIGHEST BUT THE CHARGED ME 24 %. WHICH MAKES THE CONTRACT VOID. 2. THEY FORCE ME TO MAKE A XXXX DOWNPAYMENT BECAUSE THEY STATED " MY CREDIT WAS NOT STRONG ENOUGH ''. WHICH IS ILLEGAL BECAUSE 15 USC 1605a STATES THAT A FINANCE CHARGE IS THE SUM OF ALL CHARGES. I WANT MY MONEY BACK FOR THE DOWNPAYMENT. NOR DID THEY GIVE ME EQUITY IN MY CONSUMER CREDIT. XXXX. I WAS NOT GIVEN A PROPER TRUTH IN LENDING STATEMENT NOR WAS I TOLD THAT I HAVE 3 DAYS TO RESCIND THE CONTRACT. THE PROCESS WAS NOT TRANSPARENT UNDER 15 USC 1602 ( i ) THIS IS A CONSUMER CREDIT TRANSACTION NOT A LOAN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX CXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX  XXXX XXXX of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 disputing this account according to the FCRA for reporting incorrectly. I have asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original Ink signature. I am requesting the reporting agencies to correct this account to report paid as agreed with no late payments and/or remove it. I've sent the original dispute 6 months ago with no response. Yesterday XX/XX/22 I sent a certified letter as proof they are getting the mail and request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV FUNDING LLC has placed a collection account on my credit report without providing debt validation in compliance with 15 USC 1692g ( a ). Attached is a debt validation request. Please be sure to provide all documentary evidence that proves that I owe the alleged debt. This includes any and all original documents with my wet ink signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them from my credit profile.

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