BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: GOLDMAN SACHS BANK USA
State: NJ
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, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, 30 day late payments violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments. They have violated my consumer rights. I demand a reinvestigation of the account in question and modify and update correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The creditor is not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors. And according to15 USC 1666 creditor has violated my consumer rights. 15 USC 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX  Account Names XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instruction

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 2017-08-02
Company: Pinnacle Credit Services, LLC
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have screenshots On XX/XX/2023, Mr Cooper sent a a Letter of escrow shortage. With a dramatic increase in our monthly payment. My payment was XXXX, they wanted me to pay over XXXX. So, I opted for paying the escrow shortage and continuing on with my life. I log on today and they say I am late for XXXX and are charging me XXXX dollars. Yet, my XX/XX/XXXX ( XXXX payment made in XXXX ). payment was for XXXX which I sent as I always send. My usual payment is XXXX. I have been paying XXXX all year with the excess going to principal not escrow. The agent today said that the payment was not in full so they applied it to principal making it look like I did not pay my mortgage. The agent went onto to say my reg payment is XXXX or something around that. It makes no sense. I paid the full escrow amount, why would I double pay that through my mortgage? Also, they never run my escrow in the summer. They seem to be doing things completely out of order. They always ran it the beginning of XXXX. But neither here nor there! I have my XXXX mortgage payment ( paid in XXXX ) sent the usual way, Sitting at the bank and misapplied to principal. I actually made my XXXX payment for XXXX today. I am never late and never short. I need help because this is affecting my credit score which is in the XXXX. With me paying the full escrow shortage my mortgage payment should never have changed. The next thing they pay is in XXXX and is XXXX. XXXX a month goes towards my escrow. They will have ( and if they do not, I will add it ) the money to pay my bills ). It is this escrow nonsense that makes me crazy. I sit in a home worth a XXXX with a XXXX mortgage and I have to have them pay my bills. It is a scam. The entire banks holding your money to pay your bills is a giant scam. Nonetheless, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: JPMORGAN CHASE & CO.
State: IN
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, this creditors have violated my right. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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. 

15 U.S Code 1681e- Apersonmay not procure aconsumer reportfor purposes of reselling the report ( or any information in the report ) unless thepersondiscloses to theconsumer reporting agencythat originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose undersection 1681b of this titlefor which the report is furnished to the end-user of the report ( or information ). 

The IRS states that charge-offs are considered Income and income should not be reported under a consumer report. 

Besides this creditor is committing fraud by reporting the negative charge-off on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Quite some time ago I noticed a derogatory note on my credit report. This was being reported by NTL Recovery Agency. The amount was for {$300.00}. When calling the recovery agency I was advised that the collection account was from XXXX XXXX of Massachusetts. I was advised to dispute directly with XXXX XXXX. I downloaded the forms and sent proof of residence as I do not and have never lived in the state of Massachusetts. It has been longer than 2 months and I have never heard back the results of their investigation. No attempts to contact company have been successful

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 2023-09-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The account was initially opened with another bank which was purchased by BMO. I did not authorize BMO to keep this account open when they did. So I request the fee be cancelled and my account be closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: ACIMA CREDIT, LLC
State: MI
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:
ACIMA DIGITAL FKA SIMPLE has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. 

ACIMA DIGITAL FKA SIMPLE has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me Send me a contract between me and ACIMA DIGITAL FKA SIMPLE bearing my signature. 



Send me the location this account was opened at. send me the name and number of the person who open this contract in my name with ACIMA DIGITAL FKA SIMPLEP.

Let me know was ACIMA DIGITAL FKA SIMPLE open up in person or online. What identication was used to open this account? Delete this account from my credit report. 


What date was ACIMA DIGITAL FKA SIMPLE open? 
What method of verification was used to say this account ACIMA DIGITAL FKA SIMPLE belonged to me? remove account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Initially, when I took a private student loan from Sallie Mae, now Navient, my total loans were under $ XXXX. I have been paying diligently for over 7 years, yet my loans are now up to $ XXXX. 

Its very discouraging to be making a conscious effort to stay on top of my loans, yet never see them decrease. I feel that Navient has taken advantage of me as a nave student, and put me into a income driven payment program, but failed to point out that this payment plan wouldnt even be paying the amount of interest, let alone the principle. Its like Im trying to bail out water from a boat that has a hole at the bottom. No end is in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
PayPal Fraud I was looking to get money from my work collogues to purchase a XXXX XXXX  Gift Card for someone our work who retiring. On XX/XX/2021, I used my PayPal account to receive over a dozen donations of over {$300.00} that I would then transfer to my personal XXXX account. In the subject line, I put the name of the retiring worker and was not informed that I would need to verify the personal information of a name on the subject line which read, XXXX XXXX retirement- XXXX XXXX Gift Card. 

PayPal took the funds but would not release them to me unless each individual contacted PayPal to verity the retiring workers birthdate. When I called to inquire with PayPal 's supervisor, XXXX XXXX XXXX XXXX, I was told by PayPal this is a government regulation. I asked if I could read this regulation or be told where to find it and they did not have it. I don't have personal information for the retiring worker whose name I put on the subject line and asked if I could use something else. I was then told the money could not be returned or processed unless each person contacts the PayPal 's resolution center. 

Because I am not able to get personal information for a name put on the subject line, such as birthdate, Social Security or Mother 's maiden name for a person that is not part of the transaction, my money is frozen by PayPal and will not be returned or released to me. This is fraud and theft by PayPal. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX and Experian reporting inaccurate information on my credit report. I am a victim of identity theft and these companies have refused to report the correct 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 2023-07-07
Company: EQUIFAX, 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: Reporting company used your report improperly

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

Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXXXXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: AZ
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 continue to violate my rights by not doing an actual investigation included is proof. 
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy had been violated. I have not given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

Name : XXXX XXXX XXXX XXXX : EMPLOYER XXXX XXXXXXXX XXXX EMPLOYER : XXXX Addresses : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: CITIBANK, N.A.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have been receiving calls for months on my cell, at my work, and on my husband 's cell. Today I called the number back at ( XXXX ) XXXX with reference # XXXX. Only after I asked the man said that the company 's name was XXXX XXXX XXXX. He said that I had a debt with Citifinancial with a balance of {$1400.00} and last payment in 2013. He would settle it for {$710.00}. I said that I wouldn't pay until I could verify the debt. He stated that " they're not going to recreate the wheel '' for every little debt and that they would file paper at the court ( which is fine by me because they'd have to provide proof ). I have no recollection of this debt, and I've checked my credit. I did have an account with Citi, but it was in good standing when it was transferred to another company. This is a bogus debt. I have a really important job in local government, and I really need these calls to stop at my place of work. I can ignore scam calls all day on my cell, but they have to stop calling my work. I am on the national do not call registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions 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: 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
addresses and personal information on my credit profile is not accurate or correct

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 2022-08-28
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 report act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 620 A. States I have the rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To who it may concern, The information contains my Experian Report and XXXX Report, the credit reporting agencies is not reporting accurate information. As I call the agencies it was stated they do not reach out to the creditor they use whats in there database to confirm from each other ( XXXX feeds off Experian and Experian Feeds off XXXX ). Inaccurate way of doing things and a fraudulent way to keep thing on my report. I am asking for these agencies to do a full investigation with the creditor or a full deletion. This is not ethical at all and what the agencies is doing is fraudulent Please read all information. Thanks You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 an account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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