BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2022 from XXXX XXXX XXXX account number XXXX. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act 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.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

the credit bureaus failed to do a proper investigation how did they verify this account.I want a detailed description of who furnished the account without my permission 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Was charged interest when it was XXXX percent interest, payed off with no late payments.

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 2023-11-06
Company: CDS Debt Relief, LLC
State: TX
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:
Someone has been using my information for personal use and I need to find out why the are pulling my personal information. The is been going on for the last 5 days in a row and they need to stop. And put my points back where they belong. XX/XX/XXXX to XX/XX/XXXX is what I see on my credit report

Company response to consumer: Untimely response
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2023 I called the credit reporting agencies and let them know that this Open/ Collection account that's being reported in the documents included below is not supposed to be visible on my consumer report. I never gave them written consent to report them. Under 18 U.S. Code 1028A ( 1 ) you are in violation of Aggravated identity theft by reporting these accounts without my written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: IL
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 reported that the info was wrong on my credit report on XX/XX/2021 and I have yet to receive a response. I been trying to work with the bureaus to check on my report about the inaccurate and unverifiable accounts. But now I feel ignored and upset about the lack of response. I regret that I am being forced to take such action, but I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was injured at work in the XXXX  of XXXX, requiring a medical test at a local hospital. The entire matter was handled by my employer 's worker 's compensation coverage. The hospital forwarded a bill to collections without making any attempt to collect from me. If I had received a bill or a phone call from either the hospital or the collection agency, I would have notified my employer and the matter would have been resolved through worker 's compensation. Instead, I discovered the outstanding bill when I did a periodic check of my credit report. At no time in the two years prior to this discovery was I notified that I was regarded as having an outstanding debt : it was simply forwarded, and now my credit score has plummeted due to this derogatory entry on my report.

I have notified my employer of this debt and expect speedy resolution so that the debt is satisfied. I have also written to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I can not log into my account, they wont answer their phone, they will not respond to my email on how to access the account.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my mortgage with XXXX XXXX was sold to Mr. Cooper. When Mr. Cooper took over the servicing of my loan, they said that I owed an escrow amount of {$1200.00} which I never had with XXXX XXXX. For over a year we have dealt with several individuals and many departments to try and get this escrow amount removed and our account restored with no escrow amount owed or on our account. Over the past year I have made my full mortgage payment on time, yet someone in Mr. Cooper reinstates this fictional escrow account and I have to call up and get it reapplied. This cycle has been going on for over a year and I have called every month to get the escrow removed. Now for XX/XX/XXXX, they are saying that I am late with my mortgage payment because they have applied a portion of my XXXX and XX/XX/XXXX payments against this fictional escrow. We continually get bounced around from department to department and different individuals apologize for Mr. Cooper 's boorish behavior and promise to fix it. This problem never gets fixed and this has become so stressful for me that I am compelled to lodge this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 reported that the info was wrong on my credit report on XX/XX/2021 and I have yet to receive a response. I been trying to work with the bureaus to check on my report about the inaccurate and unverifiable accounts. But now I feel ignored and upset about the lack of response. I regret that I am being forced to take such action, but I don't know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed disputes with each credit agency ( XXXX, XXXX and TransUnion ) regarding the student loan balance with XXXX. 
My student loans were transferred by XXXX to XXXX in XX/XX/2023, however the loan continues to be listed as open on my credit report. 
Dispute filing disputes with each agency, XXXX still refuses to report the loan was transferred and my account is closed. 
My credit report continues to show I owe double the amount of student loans when that 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 2021-03-18
Company: National Credit Systems,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 have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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

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 2023-02-01
Company: DISCOVER BANK
State: FL
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:
On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell DISCOVER BANK to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

DISCOVER BANK Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: SC
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got behind on my mortgage, due to the loss of my job and ask for covid relief and stop payment I am behind on my payment for several months and my lender offer me forbearance, and my forbearance expire in XXXX, in the mean time my former wife 's attorney treating me to sell the house or refinance to remove her name from the loan. 

I do not know if is possible to refinance, because lack of the job and late payments, also I am XXXX years old and prospect of finding new job is not good. 

Please advise what to do? 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am a current customer of One Main and I was seeking to get another personal loan that pays off my current and the remainder will come to me. I know for 100 % One Main allows over the phone close even for people that DO NOT have a active account with them. I was REFUSED this option. NOTHING changed since I received my first loan ( address, employer, bank account ). I even have my loan payment taken out of my account automatically. I travel for work and when I'm home it's really late or the weekend. When I spoke to the representative at the XXXX Virginia Location, I told her it will be a couple of weeks before I come home and she said well you can't do it over the phone. I asked if my mother can sign for me since she has power of attorney, the rep said that they don't do power of attorneys. Then the rep said you are just going to reapply when you are in town. I told her that I didn't want multiple inquiries on my credit, the rep said that she could not help me with that. I have had family members and friends close their loan over the phone, and they weren't an active customer. To clarify they have done this at the XXXX Location and other locations in the state of VIRGINIA. Why does an employee get to pick and choose who they can assist? Is it because I'm a man? XXXX? Age? ( These are the differences between me and the other people that I know received preferred treatment )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EdFinancial Services
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I will be suing all 3 credit bureaus, for false placing student loans on my credit report for years that dont belong to me. Ive filed so many disputes over the years .I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Grevens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
This was my 2nd CFPB complaint and a follow up to notify the XXXX, Equifax and XXXX that below is a list of inquiries that are not associated with me and were opened without my permission. And from today counting 15 days that I am so much expecting a deletion result update to happen in my credit reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: IA
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:
XXXX/Experian has continued to falsely publish two accounts from XXXX ( XXXX XXXX XXXX ). I have reported these accounts are not mine nor do I now or have I ever had any agreement of any kind for any amount with XXXX. XXXX/Experian has claimed the information is correct from an unverifiable data furnisher. Regardless what a data furnisher states, it should be given less weight than the alleged account holders statements. I have also proven XXXX has never sent me any proof of these alleged accounts. I can not attach any documents of proof as Ive never had any accounts with XXXX nor has XXXX sent me any detailed proof of these alleged accounts even though I have requested this detailed information many many times.

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 2021-03-18
Company: GOLDMAN SACHS BANK USA
State: PA
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:
I launched a dispute with a vendor, XXXX XXXX XXXX to be exact, in the amount of {$42.00} on XX/XX/2021 due to shipping issues with the order. After seeking a refund directly from the Company, I withdrew my dispute on XX/XX/2021. The Company acted in good faith and agreed to the dispute, which was still active on XX/XX/2021. On their end, they were able to agree to the dispute, thus notifying my bank that the {$42.00} in dispute should be returned as a credit to me. However, Goldman Sachs customer service misrepresented the status of this dispute on four overall occasions. Beginning on Friday XX/XX/XXXX, two different representatives told me unequivocally that the dispute was still active and I must wait 90 days. As the dispute was still active ( even though it was withdrawn two days prior ), that was how XXXX XXXX was able to agree to the standing dispute, which should have resulted in {$42.00} being returned to me as a credit/refund. Since then, I have escalated to issue through XXXX and filed a formal report against them for alleged mishandling and miscommunication about this entire situation beginning on XX/XX/2021. They continue to string me along with false reassurances that they will hopefully resolve the issue. 

I have given them approximately a week to hopefully follow-through on my behalf, but it seems they have entirely dropped my case. As a consumer, I resorted to filing this report as a means of preserving my consumer rights, and giving me a sense of security that they will have to eventually respond and resolve the issue.

Company response to consumer: Closed with explanation