BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$4700.00}, XXXX XXXX XXXXXXXX Balance : {$2900.00}, XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$290.00}, 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
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: Account status incorrect

Complaint:
Dear CFBP Representative I am reaching you because my home Lender reported to the credit bureau a delinquent payment on XX/XX/2018 on my credit report and we had an agreement to split payments {$950.00} on XXXX and the rest in XX/XX/2018. 

However, my home lender reported delinquent 30 days the full amount of {$1300.00} to my credit report and this is not true, and this really affected me on my actual Work and personal life, furthermore we had an agreement for split XXXX payment. 

I consider a problem to my personal life. I never missed any payment in my hole credit history, and this a delinquent notice that will affect my credit for years.

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 2023-03-23
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$42000.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$45000.00} This complaint is my follow-up complaint to make sure the accounts are thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: GOLDMAN SACHS BANK USA
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My CD account at Marcus Goldman Sachs reached maturity last week, I did let them know in advance, in writing/on their website, that I no longer wanted the funds to be there, Instead, I wanted the funds to be transferred to another financial institution, XXXX  XXXX to be precise, which happens to be linked to Marcus already XXXX for the purpose of transferring moneys. 

Marcus GS is not transferring the money in a timely fashion as they were supposed to, and now I am wasting time trying to contact them, and also wasting the interest money that I could be making at XXXX XXXX. Today I called again, after chatting online with no results, I asked to speak to a supervisor and the line was " mysteriously '' disconnected. I tried again later and the same story! 

I think their whole approach at Marcus GS is rather irresponsible and careless, not to mention unprofessional and unethical! 

Whenever I call Marcus I usually have to wait for a while to talk to an agent, and then when I finally do, no one there seems to know exactly why they are delaying a simple transaction that should have been done relatively quickly. Security is not and issue, to make sure of it, I contacted XXXX XXXX  today, and they assured me everything is and has been in order for them to receive the funds from Marcus GS. 

Feel free to ask any questions you'd deem suitable to resolve my case. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These XXXX  accounts are closed and to old to be reported on my credit report also these accounts are only showing payments for the last five months not the past eight years due to the fair credit report act if the information is not correct or can not be fix the accounts should be removed from credit 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 non-monetary relief
Consumer complaint received 2019-12-11
Company: EQUIFAX, INC.
State: MD
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:
Equifax refuses to work with me to correct a collection account being reported by them that has been resolved. I don't understand why XXXX  and XXXX  have removed the disputed item but Equifax refuses to correct it's error. I have tried many many times to get Equifax to get their act together but they just ignore me. numerous times I have sent letters initiating a dispute that goes without any response from them - they just ignore my dispute and violate the fair credit reporting act by not addressing the dispute - many times after 30 days I have not received anything from them on a dispute which in itself is reason to remove the item - I pointed this out to them but they ignore me over and over again. they report a XXXX dollar collections for XXXX hospital that I do not owe. Equifax needs to get in line with the other reporting agencies and fix this incorrect information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On my credit report, it showed that I missed a payment of {$230.00} in XX/XX/2019 I believe. I later paid the bill when I logged into my XXXX online account and saw that it hadn't been paid yet for that month. XXXX always sent me a monthly bill in the mail reminding me of my monthly bill approaching. But I did not receive a bill in the mail the month of XX/XX/2019. I only later found out when I logged into my online account to check my lease maturity amount later that month. I never missed a payment for this vehicle lease for the entire contract period, and also paid off my lease in full after that. This was the only time I missed a payment, and it was because I never received a bill in the mail like I did every other month reminding me of my upcoming monthly payment.

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 2023-01-17
Company: Atlanticus Services Corporation
State: AL
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:
Recently seen a late payment on my credit report from fortivia that I do not recognize. According to the FCRA transactions are not supposed to show on a consumer credit report. I know that this an billing error and I just would like for it to be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted Nissan Motor Acceptance # XXXX as well as the consumer repoting agencies XXXX, XXXX and XXXX in regards to this matter. XXXX said that hhey advised me that they could not fix this so i am now coming directly to the cfpb in a effort to clear up this matter and know that the cfpb will not neglect or provide any type of prejudice. The consumer reporting agencies listed above said that thus information was verified. My credit report shows an account with Nissan Motor Acceptannce show the account with multiple late payments, from the looks of it the late payments are from year 2021 for XXXX XXXX, XXXX, XXXX, XXXX, XXXX are year 2021 for months XXXX, XXXX, XXXX, XXXX. XXXX are year 2021 months XXXX XXXX XXXX XXXX and the status as pay account as agreed, XXXX shows XXXX, XXXX and account status as paid account as agreed. The year 2021 is k a well known year to be a year of disruption of life due to covid 19. This reporting is affecting my family and i life in a huge way. The inaccuracy is also a violation of my report being XXXX percent accuarte. I have already lost so much due to covid 19 that this is causing me present day to still lose out on and has caused much distressed. Specifically listed within the FCRA it states that i have the right to an accurate credit report and the right to prove the accuracy of my credit report. The FCRA also discusses my right that no consumer reporting agency has no right to report or furnish any information that is to believe inaccurate, i believe that it is listed in 15 usc 1681s-2 Negative information, also listed within that section is the notice of negative information where in fact a notice is required in writing to the consumer by the financial institution that extended the credit to the consumer. WHich i am stating that one XXXX XXXX XXXX is reporting my account information inaccurately to the consumer reporting agencies and also late payments is negative information in which i have never received a written notice of the negative information. i have attached the imagesof what is reporting from XXXX XXXX and XXXX. CFPB im certain that once you take a look at the attached images you will see that the attachements from the big 3 consumer reporting agencies all read inaccuarte reporting.I am aware that XXXX and the Big 3 have a paying business relationship in which XXXX pays the big 3 money to report this information which is reporting false and inaccurate and a violation to my rights. I know that the CFPB will be fair to the consumers regardless of the business relationship that XXXX and the Big XXXX has

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I filed a complaint ( Complaint no. XXXX ) against servicer XXXX XXXX XXXX for failure to abide by Florida Statute 501.137, see attached statute herein. The complaint was close because XXXX claimed that i was not authorize by my Bankruptcy Attorney to speak to them. On XX/XX/2018 & XX/XX/2018, the third party authorization was submitted to XXXX XXXX XXXX. See attached herein. Although, we have fax confirmation from both dates that it was received by XXXX XXXX XXXX. The third party correspondence from Bankruptcy Attorney XXXX XXXX, clearly reflects that i am fully authorize to speak to them and therefore authorize to file this claim. 

This claim should be taken very seriously. XXXX XXXX is refusing to pay fo the homeowners insurance. Under Florida statute lenders must pay for the insurance timely when ever the account has escrows. XXXX has made the false claim that can not pay for the insurance policy alleging we do not have an escrow account. 

Since the commence of the loan i have an escrow account. In fact, see attached copy of loan modification agreement with previous servicer XXXX XXXXXXXX XXXX. XXXX transfer the servicing rights and ultimately the loan is being serviced by XXXX XXXX. The loan mod reflects the amount deducted for escrows, also the XXXX statement confirms the same. In addition we have attached copy of the summary judgment that XXXX acquired in court. it reflects how XXXX paid for taxes & insurance in advance because the account is escrowed. 

At this juncture i am actively in a chapter XXXX, Bankruptcy Code, case no. XXXX. I am making monthly payments to XXXX, accordantly to the Chapter XXXX plan. However, as part of the negotiation, i was required to send my financial information to be review for loan modification. XXXX is reviewing the request, however as part of the loan modification process, escrows must be included in the trial plan. XXXX refuses to pay for the homeowners policy seeking higher payments by placing a forced placed policy. It is ridiculous on its face to claim i dont have an escrow account, when we have a mountain of proof that contradict XXXX poor excuse for not paying the insurance i provided pursuant to Florida Statute 501.137. In order for the loan modification to proceed we must have the insurance paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
On XX/XX/XXXX XXXX XXXX charged {$2300.00} for auto renewal of 3 season passes. As soon as saw the charge, on or about XX/XX/XXXX called XXXX requesting the season passes be CANCELED. This charge was 275 % over the previous years charge. The XXXX invoice was emailed XX/XX/XXXX AFTER the charge hit my American Express. 

Tried to resolve with XXXX via email and phone calls, no avail. Reached out to American Express to dispute. This dispute has come back a 4th time with a partial charge. 

Since both XXXX and American Express were notified within days of the charge, the request for cancellation and the passes have not been utilized with no intention of utilizing the passes. This billing and rebilling has been going on for over 4 months and over half the ski season is over at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have never heard of Afni. I do not have a contract with Afni. They keep calling my phone and my husbands phone multiple times a day. I answered and asked them to stop as I dont know who they are and asked if they would quit harassing me. I asked them to send proof that I have an actual contract with Afni and have not received anything. They are causing me stress and wish they would stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I keep getting call from SLS Servicing saying that they have not received payment even thought they got the payment and process it. The first time this happen, I call to find out that when they call, they were processing the payment and did not know it came in. I am XXXX year old and this constant harrassment of a payment that is sent to them every month is taking a toil on my health and causing me to worry unnnecessary. The payment is not late but they want to call and harass me.

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 2022-10-20
Company: EQUIFAX, INC.
State: MD
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 placed a hard inquiry on my Equifax credit report that I did not authorize. I suspect someone is intending to open this credit card in my name to commit fraud. Two disputes with Equifax have not been successful in getting it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began questioning this organization in XXXX of XXXX  and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

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 2022-10-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed the below listed account with Chexsytems and asked for validation of this account. Chexsystems has failed to provide proper verification documentation and refuses to further investigate my dispute. I am requesting a proper reinvestigation under FCRA 611. I demand to see verifiable proof ( an original consumer contract with my signature on it ) that Chexsystems has on file for the below listed account. The FCRA requires that accounts be verified through physical verification of the original signed consumer contract. 

Account : XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The interest rate on a credit card with Chase is 23.74 %. I have never been late with a payment. 

Today, XX/XX/19, I contacted the bank. The customer service person said they can't negotiate the interest rate. In response when asked who sets the rate, she said the bank does. That implies they won't, not can't. 

I am filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
refused to talk about the problem. They can not verify it is us over the phone. However, we can not go in-person to solve their 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