BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: TX
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 incorrect items on my credit report. It has been more than 30 days and I haven't 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 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account does not belong to me, please block and remove according to 15 USC 1681c-2.

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 2023-07-25
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I contacted Goldman Sachs in regards to a goodwill credit that was provided to other customers for problems with outgoing withdrawals in the month of XXXX. It is my knowledge that several customers were given a goodwill credit in the amount of {$100.00} due to the lag in processing of outgoing withdrawals. In XXXX, XXXX, and XXXX, Goldman Sachs had extremely negative user reviews and several articles published within multiple news sources that described the failure of Goldman to properly process withdrawals, which dissuaded me from attempting to withdrawal from my account, especially in the month of XXXX. Upon contacting Goldman, I was informed that a case was submitted to review my request for a goodwill credit by representative XXXX, my case number was XXXX. I received a follow up phone call from supervisor XXXX XXXX on XX/XX/2023, at approximately XXXX, informing me that my request had been denied. When I questioned why, I was informed that it was because Goldman conducted an internal review and identified impacted customers. The reason I did not attempt a withdrawal is due to the serious issues many consumers faced in the month of XXXX, all of which are clearly available to view with a simple XXXX search. I requested a formal letter be produced so I could forward to the CFPB, and I was told the matter needed to be reviewed with Goldman 's Legal and Compliance Teams and that I would receive a call back. On XX/XX/2023, at XXXX I received an email stating that Goldman was unable to reach me and to utilize the chat feature within the Apple Card Wallet app to get in touch. I did so, and spoke with a XXXX, who transferred my chat to a supervisor, XXXX, who informed me that he had escalated my request for a formal letter and that I needed to " check back with them in 2 days ''. I am extremely frustrated with the lack of responsiveness, the lack of empathy, and the disparate treatment I have received from Goldman Sachs. I am requesting that my goodwill credit request be honored as I AM an affected customer. Goldman 's declination to provide me this credit could be considered disparate treatment. Goldman neglected to provide thorough Account Disclosures at the time of account opening, and lacked directive on how long funds transfers would take when initiating a withdrawal, which has since been updated. Please advocate on my behalf to get this credit approved. No one should have to spend hours chatting and calling to get told the exact same thing, that it was escalated and to check back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have tried numerous times to close my account. Paypal will not close it and keeps tying me that they are working on it with their programmers. I want my credit card information deleted, bank information and all personal information deleted from the system and account closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On Friday XX/XX/XXXX I was able to review my Experian credit report. I noticed that on the following dates, the following companies inquired, completed a hard inquiry on my Experian credit report WITHOUT my consent or permission. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX On neither of those two dates did I authorize either one of those companies to make a formal inquiry on my Experian credit report. I am formally requesting that Experian REMOVE both of those hard inquiries from my Experian credit report. It is affecting my current credit score. Also, I have been a victim of identity theft in the past.

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 2022-03-07
Company: EQUIFAX, INC.
State: DE
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:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LATE OPEN ACCOUNT : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The inquiry listed in my report is unauthorized .I requested that they investigate this and analyze my files by sending letters to all Equifax credit bureau XXXX The reality that this inquiry continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the XXXX XXXXXX/XX/2022 inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit.

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 2022-10-28
Company: Upgrade, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off Upgrade my credit card, received email receipt. They did not draw the money out of my checking account and now charging more interest and a late fee claiming its delinquent. 
I've tried to speak with them, representative XXXX states they have a 45 day billing cycle, no they don't according to another rep. I have the emails for both this account and a personal loan also paid in full that they did not pull from my account. The " paid in full '' that was showing is gone and now says delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: GA
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:
There were creditors listed on my credit report that I had completed the debt verification process with. After having not received a response from the creditors to validate the debt I reached out to them a second time and demanded the information be sent or they discontinue reporting set information. Per the guidelines for the debt verification process. All correspondence was completed via US air mail certified. At the 45 day mark, I reached out to all three of the credit bureaus and ask them to remove the information per the FCRA guidelines for the debt verification process, XXXX refuses to remove information that has repeatedly been disputed that has been unverifiable with a creditor yet each dispute comes back as Debt verified is accurate within a day or two of the submission. If they wont respond to me in 45 days via air mail with the hopes of recovering a loss, then they clearly have not responded to the credit bureau to verify that and definitely not within 48 to 72 hour timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: LA
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 am submitting this XXXX CFPB COMPLAINT today to inform the Credit Reporting Agencies are required to remove the disptued accounts and information from my Credit File under the Fair Credit Reporting Act Section 605b. I have been submitting Dispute letters and CFPB complaints addressed to the Credit Reporting Agencies requesting the removal of the disputed fraudulent accounts and information completely from my Credit File. However, the Credit Bureaus have become stubborn and neglected their duty to investigate and verify the disputed items. I was a victim of identity theft and that the items I am disputing were never mine neither did I authorizde anyone to open these accounts in my behalf. Under th Fair Credit Reporing Act section 605b, I am requesting once again to remove the following items completely from my Credit File : XXXX XXXXXXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, the Credit Bureaus have failed to send me copies of proof of their verification or proof of ownership to prove that the disputed items belong to me. And yet hey continued to report th disputed items despite not being able to verify the disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX XXXX  XXXX XXXX missed payment XXXX XXXX XXXX XXXX XXXX MISSED PAYMENTS 15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for 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 2022-10-28
Company: EQUIFAX, INC.
State: NV
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 ) Date Opened : XX/XX/XXXX, Account name : # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Account name : # XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX, Account name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX, Account name : 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 explanation
Consumer complaint received 2022-10-28
Company: Southwest Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
submitted several investigations for bureau to verify debt. Bureau continues to state information has been certified. After several request to provide proof I have not received anything verifying this debt

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: U.S. BANCORP
State: NC
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:
Please help me secure from US Bank ( USB ) {$210.00} owed to me by them for over 5 months plus {$20.00} for loss of use of those funds. On XXXX the XXXX XXXX XXXX reversed ( in full ) a XXXX charge to my USB credit card for {$220.00}. A dispute form was received by them onXXXX : USB Case ID XXXX. Despite repeated phone calls to USB ( XXXX, XXXX, XXXX ), they have refused to credit my account for the full amount despite my having paid the full amount on time. Details are in the attached PDF.

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 2018-09-01
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has crippled my future by giving me a loan I should have never been able to take out. 
The loan in question is an XXXX in the amount of {$26000.00}. I took this loan out while still in school with little to no income. No co-signer. I fail to see what they determined then I would be able to pay that with? 
I have currently {$110000.00} in student loan debt from XXXX SCHOOL. I graduated in XXXX during one of the worst recessions in history. They have set me on a path that has had devastating consequences for my financial future and my confidence to ever get ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am trying to rectify the payment issue with my mortgage company, Freedom Mortgage. In 2018 my husband filed bankruptcy, but I did not. He also did not include the mortgage in the bankruptcy when it was filed. For the past 5 years every time I would call I was told that no one could speak to me because the account showed a bankruptcy. Back in XXXX of this year my husband paid the XXXX mortgage and didn't make another payment until XXXX. Around this time we were in the process of switching insurance companies because our current one was no longer writing policies in Louisiana. We found another insurance company, XXXX XXXX and the policy amount was XXXX. Freedom sent a check from my escrow account to XXXX, but I eventually found a cheaper insurance company. Another check was sent to the new company in the amount of XXXX. I received the XXXX back from XXXX XXXX and called Freedom to ask about what I should do with the check. I was told that I needed to mail it back to freedom so they could put those funds back into the escrow account because the account was showing negative XXXX + XXXX the amount for both insurance premium. I sent the XXXX back to Freedom. I called Freedom back to see if they had received the check and that it needed to be applied to the escrow. I was told that even they could not speak to me because of the bankruptcy, even though the bankruptcy wasn't in my name. They applied the XXXX the missing payments and increased my monthly payments from XXXX to XXXX to included the XXXX that the escrow was missing. I called and finally got someone else to talk to me and asked if they could just back date the mortgage payments that were made with the escrow money and I would just make the missing mortgage payments out of pocket. Well, they backed the payments up and reapplied the XXXX to the escrow but my monthly payments didn't decrease back to XXXX. They have the XXXX back in escrow but still charging me for it in my monthly payments. They are getting the money twice and I don't think its right. I am now behind on my mortgage by over XXXX and it shouldn't be that much. Once that put the XXXX back in escrow my payments should have decreased back to XXXX. I am aware that I owe for the months that they backed the XXXX off but my payments shouldn't still be XXXX. I have called and now I can get someone to talk to me because after 5 years they have now figured out that I wasn't the one that filed bankruptcy. I just want to be charged what I actually owed.

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 2020-07-31
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
STATEMENT OF FACTS REGARDING COMMONWEALTH FINANCIAL XX/XX/2020 I received notification about a new collection on my credit report, so I checked the report and immediately sent a dispute about the collection because I had no idea what this collection was about. 

XX/XX/2020 I received notification that my dispute had been updated, so I checked the website and they stated the debt had been verified and updated the debt collectors information. 

XX/XX/2020 I called Commonwealth Financial at XXXX to inquire. 
XXXX answered the phone and I explained that I disputed the charges and XXXX XXXX ( original bill producer now XXXX ( and many other names used by XXXX XXXX ) ) has no right to try to collect the debt due to timely filing rules being violated, therefore forfeiting their rights to collect. I told XXXX that I will be sending them a letter, asking them to stop collecting on the invalid debt ( timely filing for NYS is 90-days ). 
I told XXXX that I had never received a letter from her company notifying me of the debt before it was attached to my credit report on XX/XX/2020. XXXX told me that they sent me a letter XX/XX/2020. 
The date of service for this collection is XXXX ( over 5 years after service I am now learning of this debt owed ). 
I called back and spoke to XXXX, I requested that they send me another letter, since I did not get the first one. 
I called back again and asked XXXX to verify my entire address to make sure they have my address correct, which he did verify, and he also verified that they will send me out a copy of the letter. 

XX/XX/2020 Called Commonwealth Financial again spoke to XXXX, asked if they resent me the letter that I requested, and she told me that they requested an itemized statement, which takes a little longer. I XXXX that I did not request an itemized statement, I requested that they resend the letter from Commonwealth Financial, the one that they supposedly sent me on XX/XX/2020. I informed XXXX that the reason I want the letter from Commonwealth Financial is to confirm they are licensed to collect in Tennessee, and normally the letter would tell me that I had 30 days to dispute the claim for debt. By XXXX 's testimony, they did not send the letter until XX/XX/2020, and they attached it to my credit on XX/XX/2020 ; they did not give me 30 days to dispute regardless of whether or not I received the letter ( which I did not ). XXXX then informed me that she told their legal department about my request for the letter. Nothing else was said other than XXXX informed legal about my request, so I informed XXXX that is exactly what I wanted. I inquired about Commonwealth Financial license to collect in Tennessee and the legality of their actions in whole.

Company response to consumer: Closed with explanation