BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-29
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My wife and I both applied for the Apple Card. We have similar income and her FICO is a bit higher than mine on all three bureaus. I was approve for $ XXXX and she was only approve for $ XXXX. At the time we thought it was really strange. I just read an article in XXXX XXXX about complaints on Goldman approving men for higher limits than women. I decided to file this complaint based on that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX requested my credit report without my knowledge or authorization on XX/XX/XXXX. As per XXXX, an application was received online using my name, address and the car I currently own but used an email address other than mine. XXXX tried to contact me via the email used on this application and it was bounced back. I received a letter from XXXX dated XX/XX/XXXX denying this insurance application with a NY Credit Disclosure Notice from Trans Union attached. 

I requested a copy of my credit report from Trans Union and it does show an inquiry was requested by XXXX on XX/XX/XXXX for insurance underwriting. 

A per my conversation with Trans Union yesterday, my Social Security number was necessary for this inquiry and so I have frozen my credit reports with all three reporting agencies as well as my credit cards. 

Neither I, nor anyone in my household applied for any type of insurance or quote from XXXX or have ever been insured by them. As per the advice of their Underwriting Department I filed a police report with the XXXX County Police Department, 1st Precinct in XXXX XXXX, New York, today, XX/XX/XXXX and XXXX will be forwarding this to their Fraud Department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/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 2023-01-15
Company: Experian Information Solutions 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:
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
XXXX XXXX XXXX using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. XXXX XXXXXXXX. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XX/XX/2021 I called to inquire about a debt in collections for a hospital community medical center. I had previously spoke with the hospital who reported that the debt had been paid by insurance and the bill was sent to collections by mistake. I informed the operator ( XXXX XXXX ) about the mistake by the hospital. He reported that he understood. He then informed me that although it was my insurance he could only speak about the debt with my wife ( the individual on the bill ). This makes sense. I handed the phone to my wife and left the room. She provided her details to confirm her identify and then he attempted to have HER PAY THE BILL! He knowingly attempted to mislead my wife in to paying a debt he knew she did not owe. The action of attempting to collect this debt without informing my wife of her right to dispute the debt in this situation is illegal. I expect to hear back from the business and hope that their actions are investigated by the proper authorities so they can no longer attempt to defraud people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: DISCOVER BANK
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: Reporting company used your report improperly

Complaint:
XXXX XXXX student Loans company and Discover Student Loans   reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for Discover. XXXX XXXX XXXX XXXX has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX, LoanCare LLC provided a Mortgage Payoff Statement ( ATTACHED ) with the following fees prohibited under Regulation Z, 12 CFR 1026.34 : Processing/Recording : {$190.00} Statement Fee : {$30.00} LoanCare did not provide a processing fee disclosure prior to charging these fees, and the county recording fee is a fraction of what LoanCare is charging.

12 CFR 1026.34 Regulation Z states : " ( 9 ) Payoff statements ( i ) Fee prohibition. In general, a creditor or servicer ( as defined in 12 CFR 1024.2 ( b ) ) may not charge a fee for providing to a consumer, or a person authorized by the consumer to obtain such information, a statement of the amount due to pay off the outstanding balance of a high-cost mortgage. 

( ii ) Processing fee. A creditor or servicer may charge a processing fee to cover the cost of providing a payoff statement, as described in paragraph ( a ) ( 9 ) ( i ) of this section, by fax or courier, provided that such fee may not exceed an amount that is comparable to fees imposed for similar services provided in connection with consumer credit transactions that are secured by the consumer 's principal dwelling and are not high-cost mortgages. A creditor or servicer shall make a payoff statement available to a consumer, or a person authorized by the consumer to obtain such information, by a method other than by fax or courier and without charge pursuant to paragraph ( a ) ( 9 ) ( i ) of this section.

( iii ) Processing fee disclosure. Prior to charging a processing fee for provision of a payoff statement by fax or courier, as permitted pursuant to paragraph ( a ) ( 9 ) ( ii ) of this section, a creditor or servicer shall disclose to a consumer or a person authorized by the consumer to obtain the consumer 's payoff statement that payoff statements, as described in paragraph ( a ) ( 9 ) ( i ) of this section, are available by a method other than by fax or courier without charge. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: MA
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 am writing do to XXXX none-compliance of the CRA. XXXX is inaccurately reporting a late 30 day notice on my credit report for XXXX, 2018 from XXXX XXXX XXXX account XXXX. This error was discovered while in the process of applying for a mortgage. I have sent a dispute letter to XXXX with supporting documentation from email receipt from XXXX XXXX XXXX XXXX  showing payment made for the month of XXXX, 2018 being made on time. I also sent XXXX email receipt for XXXX showing payment made before and after the month in question XXXX, 2018 and XXXX, 2018 also showing email receipt payment from XXXX received and made on time. After I have provided factual proof and documentation showing payment made on time for the month of XXXX this is defamation of character and willful injury under section 623 of the FCRA requirements and a violation by XXXX. CFPB please ensure XXXX XXXX XXXX card follow the credit reporting act. They are in violation of the law after I give the supporting documentation from email receipt I received from them as proof of my payment being made for the month of XXXX, 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Please see the attached letter from XXXX. Note where they claim I provided " verbal '' authorization in connection with a mortgage transaction. This is a false statement by XXXX XXXX XXXX XXXX XXXX. Furthermore, no voice recording or other concrete evidence has been provided to prove this statement as fact. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau - XXXX, Equifax, and XXXX. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX XXXX Illegally inquired on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: PRESTIGE FINANCIAL SERVICES INC
State: MO
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:
It has come to my attention that Prestige Financial is reporting an Account on my Consumer Report without my Consent. XXXX XXXX XXXX and the Reporting company known as Prestige Financial is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( s ) of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: CNG FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been trying to work with Check N Go loan company to pay off a payday loan I had with them. Ive called their company about 2-3 years ago and they at first said they didnt have any record of my account/ loan. Then I called back a year later and spoke with a woman who said they sold my debt to another company. She gave me the info, I called that company and they said they sold it to a company called XXXX XXXX or something like that. When I called that company a man answered the phone, he sounded very unprofessional and didnt know why I was calling. He said he was just the answering service and would have someone call me. Well its been 2-3 years since then and no one has called. My family keeps getting phone calls from fake debt collectors, and none of which I could find any information about. They have been rude, demanding me to verify personal info, which I have not. They just hang up on me, tell me not to call them, when theyre the ones contacting my family and me. Ive demanded to get a debt validation letter from them, theyve refused to send me anything. And then the calls will stop, but then start up a few months to a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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:
Mailed the letter to EQUIFAX for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave EQUIFAX any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Waterfall Revenue Group
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Waterfall Revenue Group reported medical debt to all three credit bureaus, and I disputed them as not a debt not belonging to me. I have never received a statement, agreed to payment terms, nor signed any agreements releasing medical information to this company. The debt supposedly occurred in XXXX of 2020. There was a statement on my credit reports acknowledging my dispute of being a victim of identity theft during a disaster. On XX/XX/XXXX this year, the debt was removed from all three credit reports. Then on XX/XX/XXXX, the same collection agency added the debt as a new collection account under a different number. This is false and double reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Unlimited Progress Corp
State: IL
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:
CREDITORS DISCOUNT & AUDIT contacted me some years ago about an account that should have been paid by insurance and never on my credit report. The balance was fulfilled by insurance and should be removed from all credit bureau reports. It looks to have been placed back on my report in 2016. This account should not be on my report considering that insurance should have been contacted and billed. The {$230.00} was fulfilled and should not be on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
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:
While looking over my credit, I realized that there are some accounts that are incorrect. These derogatory accounts were not approved by me and are not mine. There is not anyone other than myself who has access to my credit report so I do not know how something like this could have occurred. Please investigate this issue and have these false accounts deleted from me credit file. I am unable to acquire new credit now because of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had an unauthorized payment via friends and family, and I believe I was hacked. I had {$250.00} taken out of my PayPal Balance to a man I do not know. This all happened while I was asleep on the XXXX of XXXX around XXXX XXXX  or so. 

My PayPal case was already closed and denied the appeal, so I would greatly appreciate help in reimbursement and I hope to have the perpetrator punished and my money back by the end of this month, as I have my sick  mothers hospital bills to help pay for, and to pay for basic necessities such as food and shelter. 

I contacted the local police but they do not have the tools to cover cybercrime, but I have also contacted the IC3 and more

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
wondering why I have not received any settlement from XXXX as I was a student that enrolled during the time period that was greatly deceived as far as finding a better job and helping me make more money. I am currently paying the loan and it seems I did not get any type of refund for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Investigation took more than 30 days

Complaint:
I SENT A CERTIFIED LETTER TO XXXX XXXX XXXX XXXX WELL AS THE 3 MAJOR CREDIT REPORTING COMPANIES ( XXXX , EQUIFAX , XXXX ) ON XX/XX/2020 ASKING THEM TO PROVIDE ME WITH A COPY OF A SIGNED CONTRACT WITH MY SIGNATURE TO VALIDATE THE DEBT. THEY DID NOT AND IT'S BEEN OVER 30 DAY 'S AND I'M DEMANDING THIS ITEM BE DELETED!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: MO
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:
After my identity has been compromised, I reached out to the three major credit reporting agencies but still haven't found Resolution with the system. The three major credit bureaus are still reporting these unauthorized fraudulent accounts all without providing me with physical documentation as requested and required by the laws of the FCRA. My next course of action is to bring suit against these credit reporting agencies inwhom does no physical fact check but instead is relaying on an outdated system. I'm demanding that these accounts be blocked immediately. 

1 ] XXXX XXXX {$350.00} 2 ] XXXX XXXX {$680.00} 3 ] XXXX XXXX XXXX {$140.00} 4 ] XXXX XXXX XXXX {$30.00} 5 ] XXXX XXXX XXXX {$680.00} 6 ]  XXXX {$71.00} 7 ] XXXX XXXX CHXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: TX
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.

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 explanation