BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX a Billing Error Notice & Request to Refund all credit balances in excess of {$1.00} ( Pursuant to 12 CFR 1026.11 Treatment of credit balances ) was sent to Goldman Sachs Bank USA, which was received by the recipient on XX/XX/XXXX, XXXX XXXX  ( USPS XXXX # XXXX ). To date the documentary evidence requested has not been provided namely the XXXX accounting entries showing evidence of an actual debt owed. The only thing received were the same statements which contained the billing errors to begin with. No correspondence or communication in response to the billing error whatsoever. 

Within the same notice a request to refund all credit balances in excess of {$1.00} was also included of which Goldman Sachs Bank USA has 7 business days to comply which it has not to date. 

Furthermore, on XX/XX/XXXX a Bill of Exchange ( valued over {$91000.00} and clearable within the US banking system and for presentment to the UNITED STATES TREASURY ) was mailed and received XX/XX/XXXX, XXXX XXXX  ( USPS XXXX # XXXX ), to date payment has not been applied to account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX. 

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 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 2022-03-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted Experian about the inaccurate reporting of my personal addresses on my credit file. 
The following addresses are inaccurate : XXXXXXXX XXXX XXXX XXXX  XXXX. ( This a previous address of my brother ) XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX ( I have never been associated with this address and have no accounts associated with this address ) XXXXXXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2021-04-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is the result of identity theft that was carried out by my mother. I have discovered that she had been opening accounts in my name for nearly XXXX years. Though I do not know when this started, the first fraudulent account was opened in XXXX of XXXX. The latest was opened XX/XX/XXXX. I have a special needs condition and that is how my mother was able to use my information without me knowing. Now that she has passed, I am trying to clear these fraudulent accounts from my credit report. So far accounts are being removed, but XXXX refuses to remove the account. I have completed an ID theft affidavit that was notarized, and police report because that's what was recommended to me. I then sent this to the credit bureaus in XXXX and to LVNV directly in XXXX. XXXX simply ignored everything I sent them and verified the account. This account does not belong to me and they are refusing to even properly investigate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX, XXXX I sent two debt validation letters for two different accounts to AR resources. I Requested that this company send me proof that I owe them money regarding two accounts. The amounts of the accounts are {$480.00} and the other being {$970.00}. 

On XX/XX/XXXX I received a letter that a contained two bills! Bills that did not prove that this was my debt and that I owed this company any money. 

On XX/XX/XXXX I sent a failure to validate letter to AR Resources ( via certified mail ). Requesting that AR Resources, Validate the debt they claimed I owed for a second time because they failed to do so the first time. 

On XX/XX/XXXX at XXXX AR Resources received my letters. 

On XX/XX/XXXX I have yet to hear or receive anything else regarding the accounts. " Estoppel by Silence '' legally means that this company had a duty to speak but failed to do so therefore I will like for theses accounts to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Amcap Investments, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Saturday, XX/XX/2021 around XXXX XXXX  eastern time, I applied for a home loan through AmCap mortgage out of XXXX TX. I received an automated response from someone named XXXX XXXX but it was from his regular email at AmCap. It said that they were going to search for the best programs/loans for me and get back to me soon with the information. I replied to his email stating that I was a veteran and was interested in a VA mortgage. No other response or contact was received and I was not acknowledged in any way. Im assuming that my credit wasnt strong enough for them to work with me as I know my credit score is either right below or right at the score needed to get a VA loan. What I dont understand though is why businesses dealing with financial transactions like this feel no responsibility to follow up with customers when there is less of a chance of a successful placement of a mortgage right away. Also, I am of the understanding that if I dont qualify that I am supposed to get some kind of explanation in writing. It would also be nice to have someone follow up with me. Based off of this companys reviews it appears this is a common thing for them and I felt it necessary to report this so it doesnt keep happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-04-16
Company: Lending Club Corp
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was not aware that I was past due on any payment for this account. I never received any notification via mail XXXX up until XX/XX/2021 after I filed initial complaint ) or email from them. I must have made over a dozen phone calls to resolve this issue In the beginning they said there was a computer problem back during Covid XXXX  shutdown and all my payments were current. I say that I was required to pay an additional {$420.00}. I didn't know until I went online and say a past due amount. So I schedule a payment of {$930.00}, that amount I just made off the top of my head. When I went online to see if my payment was posting for {$930.00} it said amount due {$1300.00} so when I went to ck it took the full {$1300.00} and my {$930.00}. I am not working at this time. I requested the {$930.00} back and to keep the {$1300.00} so it would bring my account current. They did refund me the {$930.00}, but they are reporting to my credit report a delinquent. But if you review my on time payments it is all on time. my credit report dropped XXXX points. I called them to remove the neg report they put on my credit score. It went on then it went off then it went back on. I went from a good credit score to average. This is unacceptable and should not be allowed. I am not working but am still able to pay my bills, and am waiting for my UI to start back up as I had to file a new claim. Every time you speak to Lending club you get a different answer from a different person. I told them I am more than happy to give them extra on each payment to make up for whatever is due but it does not seem to make sense so I don't know where the extra money is going when I make an additional payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: CarMax, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: CT
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. 

XXXX XXXX XXXX, XXXX : # XXXXXXXX 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  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 2021-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XX/XX/2021, I was checking on my on-line checking account, when I saw three transactions for {$4600.00}, for debit return item. I went to the bank right away, told them that I didn't make those charges. They told me that someone had told my social security number and driver 's license, the picture on the license was me wearing a surgical mask. they told me to contact the credit bureaus and social security office which I did when I got home. The next day, another {$4600.00} was taken from my account. My wife and I proceeded to go to Bank of America, closed our savings and withdrew half our money left in the checking account. The bank then froze that account, transfer the rest of money to a new account. A few days later, another {$4600.00} was remove from our account. So we then removed what money from the new account, and had it froze also. A fraud was made with the bank. I've tried calling several times to the main bank, got the run around, been to the branch office, told the bank was going to send me an Affidavit to answer, sign, and send back, but still waiting. Have written letters to the CEO of Bank of America, the corporate office, no reply yet. Did receive five checks from Bank of America that the imposter cashed, and sent copies to FTC for my identity theft case.

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 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
my information was disposed in a data breach, i have unauthorized and unverified inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: Experian Information Solutions Inc.
State: AR
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 disputed inaccurate accounts on my Experian for Student loans, and other closed accounts on my Experian consumer report. I stated that my student loan balances for XXXX  were different from the balances that were reported on my Experian. 

They were for the account XXXX with a balance of {$4400.00} on XX/XX/2020 is different from the balance reported at XXXX which is {$4400.00}. The account XXXX with a balance of {$7700.00} on XX/XX/2020 is different from the XXXX balance of {$7600.00}. The account XXXX balance reported on XX/XX/2020 {$6000.00} is not the same as XXXX which is reported as {$6800.00}. 

For the accounts XXXX which report with the balance of {$940.00}, {$3100.00}, {$1500.00}, {$6800.00}, {$6000.00}, {$4600.00}, {$6200.00}, {$11000.00}, {$2000.00}, {$1200.00}, {$390.00}, {$2800.00}, {$1500.00}, {$6000.00}, {$890.00}, and {$24000.00} which were all reported on XX/XX/2020 are not the same as the balance reported on XXXX which are {$950.00}, {$3100.00}, {$1500.00}, {$6800.00}, {$6000.00}, {$4500.00}, {$6200.00}, {$11000.00}, {$2000.00}, {$1200.00}, {$390.00}, {$2800.00}, {$1500.00}, {$6000.00}, {$890.00}, {$24000.00}. 

For the accounts XXXX reported on XX/XX/2020 with a balance of {$11000.00} which is different from what is reported on XXXX which has a balance of {$11000.00}. The account XXXX on XX/XX/2020 has a balance of {$2100.00} but us reported on XXXX with a balance of {$2100.00}. 

I ask them to delete these inaccurate accounts off my consumer report. 

I also told Experian that these inaccurate that were on my XXXX Consumer Report. Also, were on my Experian consumer report and I ask them to delete these inaccurate accounts off of my credit report. I stated that some of these accounts are also being reported on my Experian. These accounts are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and I also have multiple accounts that have been deleted for DEPT OF EDUCATION XXXX. These inaccurate accounts need to be deleted. 

I also notify Experian about 15 U.S Code 1681b-Permissible purposes of consumer reports : which I told them that this law states that : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I told them I never gave them consent to report anything on my consumer report. 

Experian will not delete this inaccurate information off my credit report. They instead continue to update these inaccurate accounts on 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 2021-04-16
Company: Debt Recovery Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ORIGINAL COMPLAINT TO BBB This company is reporting as a NEW debit on my credit report. I received a letter dated XXXX XXXX 2021 stating that I owed XXXX to an original creditor for a loan. It said I needed to reply by XX/XX/XXXX2021. On XXXX XXXX 2021 the same date of the letter they reported to the credit bureau that I had a NEW debt to them ( XXXX ) for a past due loan same amount and information. It has a status update of XX/XX/XXXX it says I am 30 days late as if I made a agreement with XXXX XXXX XXXX. Which I did not. Not only did they not give me a chance to reply to the letter they reported it on the same exact date as a new debt to the credit bureau. I have only had one letter stated above and no other type of contact by this company and they reported a 30 day late. It was also updated with the bureau on XX/XX/XXXX. 2021. I did not sign/agree or speak with XXXX XXXX XXXX in any form. Supposed acct # with ( XXXX ) XXXX XXXX responded to the complaint with the BETTER BUSINESS BUREAU and said they after review they would delete the account and remove the information from the credit bureau. However what they did on the same day the said they would delete the Information they reported it to another credit bureau. I do have a copy of the reply if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: OH
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:
I HAVE RECENTLY PLACED A FREEZE ON MY CREDIT PROFILE DO TO SOMEONE ACCESSING MY PERSONAL INFORMATION WITHOUT MY PERMISSION. I WOULD LIKE TO REQUEST A SECURITY PIN ON MY FILE ASAP!! PLEASE UPDATE INCORRECT DOB XXXX AND SS XXXX. My correct name and spelling are XXXX XXXX XXXX. Please remove any variations of my name they are not correct XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2023-11-17
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Attached is a police report for proof the following credit card accounts thats currently listed on my Experian and XXXX credit report are not my credit card accounts : XXXX XXXX XXXX XXXX, {$360.00}, XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX, {$330.00} and XXXX XXXX XXXX, {$340.00}. All of the hard inquiries currently listed on my XXXX credit report are not my credit inquiries.

Company response to consumer: In progress