BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
medical treatment was giving less than a 6 month period and is already in collections, this isn't fair specially during an pandemic they broke up my bills as 7 different Derogatory marks against my credit report instead of one complete remark, this affect my credit report dramatically and is not fair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: GA
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
According to the FCRA XXXX XXXX XXXX is not the original creditor and purchased my information illegally and must have my written consent to purchase my information witch they did not do Once again i have mailed this company a notarized affidavit ( XXXX XXXX XXXX XXXX XXXX ) with all violations and each carries a {$1000.00} fine, 15 USC 1681B PURMISIPLE PURPOSE ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2022 I contacted Experian about several unauthorized inquiries on my credit report. On XX/XX/2022, XXXX XXXX XXXX fraudulently obtained a credit report on me resulting in a fraudulent inquiry on my credit report. I also have a fraudulent inquiry, XXXX on XX/XX/2022 and XXXX XXXX XXXX on XX/XX/2022. I was told by each of those companies to contact Experian and file a fraudulent inquiry complaint. These inquiries are fraudulent and I want them 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 non-monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
( 1 ) TransUnion failed to remove inaccurate name on online credit report. 
( 2 ) TransUnion failed to remove inaccurate Employer on online credit report. 
( 3 ) TransUnion provided false information to consumer via Federal CFPB portal in Company Response XXXX. 
( 4 ) CFPB failed to provide any oversight or corrective action to TransUnion for providing inaccurate 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 2022-12-21
Company: Foris DAX, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I closed my Crypto.com XXXX prepaid card on XX/XX/XXXX with over {$4000.00} on it. I requested a check be sent to me for the balance remaining on the card. I was told that this was not an option and that they would credit my account for the balance within XXXX hours. XXXX days later I read the terms and conditions and saw that they were supposed to issue a check for closed accounts. I contacted them again numerous times and have not received an answer as to when I will receive my funds. It is now XX/XX/20 and the company is still holding my funds and refuses to give an answer about when or how I will receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
During COVID my wife lost her job and we couldn't pay the mortgage. We went into a temporary forbearance and then we got switched to a different servicer for our loan. They thought we were just not paying and treated us like that. Over the last year, we have been able to pay the mortgage and have paid it. They still think we can't pay for some reason and are pushing foreclosure and will not offer any other option. We can pay, will pay and will be staying in our home. Our actual lender ( XXXX XXXX ) who holds the loan wants us to be able to stay in our house and pay them off. SPS is simply just trying to foreclose. This is all from COVID time. We are now able to pay and want to find a way that works for both parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This Bankruptcy was not verified by the courts and needs to be removed. I have attached the from the courts supporting such facts. They do not have Social Security Number attached this account for me. This not my account, by the FAIR Credit Act ( section 623, 611 ) this information must verified by the original account holder ; in addition, to being accurate is not. I will hold XXXX, XXXX, and TransUnion responsible for displaying this information on my credit report. 

I have attached the letter from the courts, and I have requested this information to be removed months ago. Therefore, it has been over the 35 days. This is information can not be verified by a third part either as a so called government agencies. 

Please remove ASAP. Or face a Lawsuit

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 2020-08-04
Company: Experian Information Solutions 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:
This Bankruptcy was not verified by the courts and needs to be removed. I have attached the from the courts supporting such facts. They do not have Social Security Number attached this account for me. This not my account, by the FAIR Credit Act ( section 623, 611 ) this information must verified by the original account holder ; in addition, to being accurate is not. I will hold Experian, XXXX, and XXXX   responsible for displaying this information on my credit report. 

I have attached the letter from the courts, and I have requested this information to be removed months ago. Therefore, it has been over the 35 days. This is information can not be verified by a third part either as a so called government agencies. 

Please remove ASAP. Or face a Lawsuit

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 2023-11-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had auto pay set up to pay my account in full every month. My due date is the XXXX. On XX/XX/2023 paid {$1000.00} through my XXXX XXXX account online and the other remaining {$2500.00} was set up to be paid through my XXXX account automatically in XX/XX/2023 Synchrony only withdrew {$1500.00} and then charged me XXXX in interest! I called and attempted to make phone payments on XX/XX/2023 and XX/XX/2023 for some reason they were not able to put the payments through so I went online and just did it that way with no issues. I tried to get the finance charge reversed and they refused to do it so at this time I have closed all cards associated with their bank resolution I'm looking for is a credit of {$42.00} in finance charge that should not have been charged because of 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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On Wednesday XX/XX/2023. 

I contacted all three credit agencies, XXXX, Transunion, and XXXX. I realized that there are credit inquires on all three of my credit reports that I did not authorize. 

XXXX was the only Agency that removed the unauthorize credit inquires.

Credit Inquires that I did not authorize and should be removed from my Trans Union and XXXX are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Interest paid on my Wells Fargo mortgage has fluctuated even though all of the other amounts have stayed the same. 

Details Principal : {$170.00} Interest payment : {$300.00} Escrow payment : {$250.00} I have attached a statement from XXXX to show the fluctuation but it is with every payment as far back as I can view the statements. My mortgage was taken out at the start of 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 2020-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 was checking my credit today so I could get a home home and I noticed these erroneous accounts that are listed below : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Bank of America Account Number : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 2023-11-05
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their 300+ offices nationally during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The incident started on Saturday, XX/XX/2023, around XXXX XXXX  at the TD Bank branch at XXXX XXXX XXXX in XXXX NY. I deposit on the ATM machine {$700.00} Cash and all of a sudden after giving my money to the machine slot, it said on the screen : " We are unable to provide the details of your deposit at this time. Please retain the receipt for your records. '' The ATM printed a receipt for me for further proof of my deposit. I looked at my TD app on my phone and it indicates that the {$700.00} was deposited but on HOLD. I waited until Tuesday, XX/XX/2023, and I saw a negative - {$690.00} on my app & I immediately called TD customer service, and told me to go to the branch where the incident occurred. I went and spoke to a representative name XXXX and filed a claim on the issue. 

After that, I kept calling for further updates and didn't receive an update until Monday, XX/XX/XXXX that my claim was denied and said that the Fraud department didn't see any error. They will do another claim and wait XXXX business day. On XX/XX/XXXX I went back to the TD branch in XXXX and spoke to XXXX again and made a few phone calls about this issue, but no help or options. So He had to do another claim. 

I called today XX/XX/2023 for an update since I filed 2 claims ( XX/XX/XXXX customer service & XX/XX/XXXX branch ) customer service told me they denied again the claim I made on XX/XX/XXXX at the branch with XXXX and that the claim on XX/XX/XXXX is still on going and to wait another 5-7 business days. 

I told them : " how can I be denied twice? This doesn't make any sense. I always deposit cash in the atm machine of {$700.00} for rent purposes and that you can see in my previous statements. And now this was the issue that occurred and I can't trust my money the next time I want to deposit cash at Td bank. I'm like : " you can't see through the cameras of me depositing cash and a printed out receipt as proof of my deposit, which I still have the original. 

They kept repeating to wait for the next claim response.

Company response to consumer: Closed with monetary relief