BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: Upgrade, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
UPGRADE ( see attached file ) sent me an advertising flier stating that I had been PRE-APPROVED for a {$10000.00} line of credit after careful consideration of the information contained in my credit report. Therefore I applied since I had just received my DOT and XXXX numbers for XXXX XXXX XXXX and figured a line of credit may come in handy. Well, as it turned out I was DENIED for lack of a willing lender, after being PRE-APPROVED. I contacted the company UPGRADE and they explained the PRE APPROVED line of credit was a pre-approval to apply. I explained I did not need permission to apply anywhere, I was free to apply anywhere. I explained I felt their claim of PRE-APPROVAL was an intentional fraud to obtain my personal information and therefore asked them to honor their preapproved offer. They refused. Therefore I lodge this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2013 with a balance of {$2600.00}.

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 2023-10-27
Company: EQUIFAX, INC.
State: TX
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:
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. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NY
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:
These dealership I disputed by calling, such as creditors or tax court, and identity type of item, such as credit account, judgment, etc. is inaccurate or incomplete because describe what is inaccurate o incomplete and whyl. I am requesting that the item [ be deleted or request another specific change ] to correct the item off my report please and thank you

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 2020-11-04
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I opened an application to refi my home on XX/XX/20. All financial and personal docs were delivered to the Amerisave on the very same day via their portal. I also paid the obligatory {$500.00} Application fee. After that, I never heard back from the Loan Originator and spent the next 63 days with zero to minimal information on my loan status. I was constantly sending emails but never getting any answers. 

At day 63 from my original application, I reached out by text to my Loan Originator XXXX and he responded that since I applied online, his commission was really low and I was therefore not at the top of his list of priorities. ( Text images are attached ) I called customer service department the next day during working hours to inform them on what had occurred and to request a new Loan Originator or a refund of my {$500.00}. 

The next day, I received a call from an AmeriSave VP named XXXX who then assigned a new Loan Originator named XXXX. I have never heard from XXXX although I have called several times and written several emails to try to complete my refi. 

I called customer service again and was told they would pass the message along to XXXX the supervisor and XXXX the Loan Originator. There is no way to reach anyone of authority at this company that can help. Today is the next day and I have not heard from anyone at AmeriSave. 

* AmeriSave Mortgage took my hard-earned {$500.00} * I am fully qualified and documented to close my refi * I can not reach anyone at AMERISAVE Mortgage to assist in obtaining even a simple update on the status of my account I * I am paying a hefty fee to do this refi and expect better service * There is no reason this file has been moving so slowly and without any clear communication from Amerisave. 
* I do not need any Loan Originator to do me a favor, I am playing well for the service and expect professional behavior * I would like to speak with a Loan Originator to properly setup my Disclosure that is still incomplete If this is not possible, then I would like my fee refunded immediately The lack of professionalism and consideration of this Mortgage lender is beyond reprehensible and someone should take a closer look at this operation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I began to notice more recently that my deposits were being held as pending - while transactions ( that had already been posted to the account ), eat away at the new deposit before funds become available. Navy Federal Credit Union then takes the money a second time claiming they put the deposit in first but that is not the case. 

A branch deposit was made on XX/XX/XXXX for {$1500.00} and did not become available until XX/XX/XXXX. 

I had {$3600.00} as of XX/XX/XXXX All transactions posted on XX/XX/XXXX were made and completed before XX/XX/XXXX, For example : XXXX payment ( instant payment ) of {$260.00} was made on XX/XX/XXXX but, per my banking statement it shows that transaction was posted on XX/XX/XXXX ( Same day the {$1500.00} was made " available '' ) Next example : I received {$260.00} on XX/XX/XXXX from my reimbursement for internet with my job. On XX/XX/XXXX I sent a XXXX payment for {$260.00} to my brother in law to pay the internet bill. This is supposed to be an instant transaction but when I looked at my statement it was deducted on XX/XX/XXXX. 

My Account is stating available balance is {$1100.00} Current Balance states {$1500.00} There are many discrepancies, my husband and I have noticed with our account and we would like there to be some sort of rectification. The Navy Federal Representative did not provide detailed explanation. This seems to be fraudulent activity by the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Midland Credit Management Inc. uses offshore call centers to collect debts. In telephone calls with me, their representatives used false names. It appears MCM instructs them to use an Americanized name in order to convince people to pay the debt despite giving their personal information to an offshore call center. 

By falsely representing the true name of the collector, and Americanizing their names, MCM is violating the false representation provisions of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: VA
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: NM
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2023-10-28
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:
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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: EQUIFAX, 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:
I discovered that my mail was stolen, and as a result, someone fraudulently ordered a replacement card for my XXXX credit card account ( number XXXX ). Shockingly, the identity thief made unauthorized charges totaling {$6000.00}, including interest charges, on my credit card. Recognizing the seriousness of the situation, I immediately contacted XXXX to report the identity theft and requested the closure of the account. 

To further address the issue, I visited the local precinct to file an identity theft report. However, I was met with an unexpected response from the police officer, who advised me to obtain a validation of theft from XXXX. Despite my efforts, XXXX declined to issue the validation, invalidating my identity theft report and leaving me responsible for the stolen funds and fraudulent charges. This turn of events is not only absurd but also indicates a failure on XXXX 's part to protect consumers like myself. I find it distressing that they are now accusing me of making false statements. 

I also sent dispute letters to the three credit bureaus ( XXXX, XXXX and Equifax ) regarding the removal of this fraudulent account on my credit report. However, they did not respond with a proper investigation into this matter. As a result, the fraudulent account is still appearing on my credit report which totally destroyed my credit. 

In light of these circumstances, I strongly believe that my consumer rights have been severely violated, and I am seeking justice. I kindly request the removal of this fraudulent account from my credit reports, as it is unjust for me to bear the financial burden of someone else 's criminal actions. I trust that you will take immediate action to rectify this situation and restore my financial well-being. 

Thank you for your attention to this matter and for upholding consumer protection. I eagerly await your response and a resolution that upholds fairness and accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: Convergent Resources, 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:
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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-12
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to you to express my frustration and concern about an ongoing matter with Goldman Sachs. Since XX/XX/2022 I have been trying to have them replace my ITIN number with my Social Security number on my account. Despite multiple attempts on my part to resolve this matter, my request remains unattended. 

The first time I called Goldman Sachs to request the change, they assured me that the change would be reflected in 10 days. Two months passed and no change was made. I then called back and was connected with a supervisor who escalated the situation and promised that the change would be made in 10 days. 

Since then, I have called two more times and have spoken with supervisors, each of whom assured me that the situation was being escalated and that I would be contacted in 10 days. However, despite these repeated promises, no change has been made and I have received no communication. 

These ongoing delays and the lack of resolution are not only frustrating, but are also negatively affecting my credit score. Each time I speak with a new supervisor, there seems to be a new reason why the change has not yet been made - that the previous supervisor made a mistake, that a ticket was not created, that my contact information was not entered correctly. 

As a customer, I am not getting the attention to this matter. I feel that Goldman Sachs is not acting and prolonging the situation, each time telling me that I will have a response in 10 days and then doing nothing to resolve the problem. 

Therefore, I am submitting this formal complaint in the hope that you can help me resolve this matter. I appreciate your attention to this issue and look forward to resolving it promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/22, I requested a transfer to {$2200.00} to my sister-in-law XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A fee of {$26.00} was charged on the transaction so the total amount debited from my checking account was {$2200.00}. The transfer was accepted by MoneyGram and the money was sent to the bank or agent in XXXX XXXX. 

When my sister-in-law went to pick up the money at the bank or agent in XXXX XXXX she was told that transfers in excess of {$2000.00} were not allowed and therefore they could not give her the money, not even {$2000.00} of the money. 

I contacted MoneyGram and asked if they could reduce the transfer amount o {$2000.00} and credit {$200.00} back to me. I was told that this was not possible, that the only option available to me was to cancel the transaction and do it over again. I was also told that I would not be refunded the {$26.00} service fee. 

MoneyGram holds themselves out as the expert in money transfers and they should have known of the {$2000.00} limit on transfers and prevented me from attempting to make a transfer for an amount greater than this, but they did not prevent me from attempting this. 

I believe that MoneyGram had an obligation to inform me that transfers in excess of {$2.00} are not allowed and they should have informed me of this, and they should have prevented me from executing this transfer. Therefore, they should refund the {$26.00} fee to me. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have notice different variations of my name. My name should only be written in one legal format. XXXX XXXX XXXX. I have included my driver 's license.Please update and remove all different names written on my consumer report. Only one should appear as my Drivers License. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX for a loan for the second time by XXXX XXXX. Branch manager XXXX fails to grant an overdraft on my card. On or about XX/XX/XXXX watched a man go in and obtain a loan got {$40000.00} and receive it. XXXX denied a loan for me. Its absurd XXXX issued XXXX lecture instead of empowering women. Beginning of XX/XX/XXXX watched men walk in and obtain a loan for the second time. Need money for self and business and kids. Will not tolerate the financial abuse any longer. This has been going on for over a year. XXXX thinks I am I a game. She needs to be wisen up and treat women with respect. I deserve respect and dignity just as everyone else does.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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