BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: Monterey Financial Services LLC
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:
XX/XX/XXXX I submitted police report of identity thief and my government ID to XXXX 's fraud department and spoke with XXXX rep to remove a fraudulent transaction that was placed on my credit report. I notified them that I spoke to the company Monterey Collection in XXXX and let them know I've never done business with this company and that I am a victim of identity thief and to provide documentation of who open account in my name. I've never received anything from the company. Beginning of this month I went to the police percent to report identity thief. As of XX/XX/XXXX I've spoken with 2 Representatives and 1 Supervisor at XXXX who hang up in my face as I was tell them by law they are to remove the fraudulent collection MONTEREY COLLECTION XXXX amount {$5300.00} by FCRA 605B ( 15 U.S.C. 1681c-2 ) not later than 4 business days after the date of receipt by such agency to remove item. Before the supervisor hang up on me she was telling me the police report need to be sign by police office and that it was missing a page I stated to her this report is digital and they have all 4 pages and that the last page has the reporting officer and supervisor names and employee identification number. Shortly, after the disconnect I contact the police department and their record department assured me that attached police report is the whole report and it was sign digitally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They used my SSN and used this to deny me credit due to my credit score with XXXX. I was denied an extension of credit by Apple Card- through Goldman Sachs Band on XX/XX/2022. They have proclaimed an adverse action against me as a consumer. Pursuant 15 USC Code 1691 ( c ) and they assume civil liability, pursuant to 15 USC Code 1691 ( k ).

They have violated my federal protected consumer rights : 15 USC Code 1642 ; 15 USC Code 1681M ; and 12 CFR 1002.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I checked my credit report and i saw unauthorized credit check inquiries that i have not given consent to. I am demanding that these inquiries be removed withing 4 days because they are fraudulent. I am trying t establish relationships with banks but continue to be declined because of these items on m report. I have attached the fraudulent items to my letter and notified 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 explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have had a second mortgage with Bank of America for years now. My payment is $XXXX due by the XXXX  of each month. I always receive a statement and since I bank with Bank of America, I simply transfer the funds by bill pay. For July, I received a statement for the month and I made the payment from bill pay on XX/XX/2019 in the amount of $XXXX. The money was removed from my account within 24 hours as usual. On XX/XX/2019, I received a notice from XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX indicating that my loan had been transferred from Bank of America  to their company and any payments after XX/XX/2019 should be paid to them. Well, on XX/XX/2019 I made the payment to Bank of America per the statement that I received. I contacted XX/XX/XXXXto advise and was told that they didn't have the payment and they were my new servicer. XX/XX/XXXX doesn't have the payment and Bank of America claims as of XX/XX/XXXX the account has been closed.I have been going backwards and forwards since then trying to locate the monies with no avail. XX/XX/XXXXsent me a statement for August indicating that the July payment is still due. Bank of America is oblivious of the payment even though the payment was deducted from my Bank of America checking account.I need to either have the payment sent to XX/XX/XXXX or the money put back into my account so that I can pay XX/XX/XXXXwithout late fees.See documents enclosed for verification.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-03-11
Company: Premier Student Loan Center
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/2019, I made an agreement with the Student Loan Forgiveness Program known as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The application for the program was entitled : Public Service Loan Forgiveness ( PSLF ). The agreement was that I would pay {$240.00} for five months, and then my payments would drop down to {$22.00} a month for the next 10 years. At this point, whatever amount was left on my loan would be forgiven. 

I was in contact with XXXX XXXX @ XXXX ; email : XXXX. Questions were to be sent to XXXX. 

I made a payment of {$240.00} on XX/XX/19 ; XX/XX/2019 ; XX/XX/19 ; XX/XX/19 ; XX/XX/19. 
I made a payment of {$22.00} on XX/XX/19 and XX/XX/19. At this point, there were no more payments automatically withdrawn from my account. The phone numbers connect to these withdraws were XXXX ; XXXX ; and XXXX. 
All payments were made out of California. 

When I contacted the company, the recording stated that the business had been suspended on XX/XX/2019 with a restraining order under the Consumer Financial Protection Bureau. They have been assigned a receiver : XXXX. This is where the court documents can be found. It also stated that there was to have been a court hearing on XX/XX/2019. However, I am unable to find any information about the outcome.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: NM
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:
over 10 years ago, addressed populated on my Credit Report from a in Northern New Mexico, I have never lived there. A report was made as Identity Theft and the addresses came off. In the last 2 weeks similar addresses populated on my report. I filed a dispute with Equifax and received an email saying they had been resolved. When attempting to log back into my account it kept telling me I had to contact them directly. Today ( XX/XX/XXXX ) I spent over an hour on the phone with them, after the could not verify who I was and speaking to 2 different agents, they told me that the first dispute was not taken care of and that he would be assisting me with it then and there to have the addresses removed. My second dispute was because I found a hard hit from XXXX XXXX XXXX on my report, I have never had an affiliation with XXXX XXXX XXXX and have not authorized a credit pull on my credit. The agent stated I would have to contact XXXX XXXX XXXX so THEY could take the hard hit off my credit. When I questioned the agent about that, he became upset and told me if that wasn't my inquiry I shouldn't have any issues contacting XXXX XXXX XXXX and having them remove it. In the XXXX XXXX XXXX forums, many have had this issue and have been told by XXXX XXXX XXXX to contact the credit source to have the inquiry removed. This is a huge circle that is not being resolved. I am working hard to have my credit better and issues like this do not help me or others. Neither company is taking responsibility for any issues and THAT is a huge problem for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
When I reviewed my credit report, I discovered that these items were 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX 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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 accounts 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 accounts : 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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.

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 2022-06-03
Company: EQUIFAX, 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 sent letter off in XX/XX/XXXX to remove address that is inaccurate and don't want in my credit report. no action has been taken. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. the address is included in the attach document that I filed with identity theft.gov Moreover, I also request those inquiries below to be deleted since they are unknown to me and inaccurate, nothing has been done. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I have an over draft I get the normal overdraft fee but then everyday behind that I get everything bouncing on top of bouncing all my checks bounce over and over again every week when I clearly tell then when I will be in to cover the check that bounced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX  # XXXX is reporting an account to my credit that I never received a notice for. I never received any kind of 30 day right to dispute notice and I had no idea I had this collection until I had my credit pulled and saw it on there. As soon as I noticed the collection I paid it and there is no reason for it to be on 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 2018-08-01
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 I booked a car rental through Chase Sapphire Ultimate Rewards program. In this transaction I booked a car rental through XXXX  for which XXXX points were redeemed. I received an email confirmation stating that the booking had taken place, and that {$0.00} would be charged to my card. I can provide the email as needed. 

On XX/XX/XXXX Chase charged for this transaction vs applying more rewards. 

Shortly there after I called chase to notify them the charge was incorrect being as the transaction was completed using miles, at which point I provided Chase with a copy of the email, the date, the confirmation date etc. 

After several months I received notification from Chase that they could determine the charge was incorrect and that XXXX had provided them with confirmation. At no point did they actually look at their own internal records to see that reward points were used, instead the moved the situation along under the premise that I was disputing the charge from XXXX rather than I was disputing that Chase had not applied the reward points. 

I filed a complaint with the better business bureau on XX/XX/18 which was forwarded on to Chase. Yesterday XX/XX/XXXX I received an email from Chase stating they looked into the matter and came to the same result stating XXXX had shown proof of the charge vs. applying the reward points. 

XXXX I contacted the Chase rep to notify them of my frustration, and let them know I would be submitting to CFPB, and would also be seeking legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account XXXX XXXX XXXX XXXX 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 seven 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.

This inaccuracy is stopping me for obtaining a good great score to purchase a reliable car for my kids and I. This inaccuracy is stopping me from starting a business in order to become financial free and be there for my kids and attend practices, games, and rehearsals. This inaccuracy is keeping me tied down and having to stay at a 9 to 5 catching a city bus because I am not able to get approve for anything to help my family and I get out the hole we are in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

46.4K 492

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