BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported XXXX XXXX XXXX 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 2021-11-08
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-05-24
Company: CCS Financial Services, 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 information incorrect

Complaint:
I have ( 2 ) accounts on file with CCS or Credit Collection Services that were paid on XX/XX/XXXX ( FILE # XXXX ) and XX/XX/XXXX ( FILE # XXXX ). Upon receipt of payment, the company agreed to remove/delete accounts from credit bureaus but has failed to done so. Please remove/delete these accounts per our agreement. Thank you for your time and patience in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In XXXX XXXX XXXX I requested validation of debt for several companies all of which could not provide and therefore the accounts were to be removed from my credit report. All three bureaus didn't remove so I submitted a letter in XXXX XXXX XXXX  which has been ignored and none of the issues were removed. 

In addition all XXXX bureaus are allowing multiple companies to restart the date by reporting charge off every single month for years. I've submitted letters outlining this and they have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Shellpoint Partners, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Since COVID-19 pandemic I entered into an agreement with my mortgage co into a forbearance. They reported to XXXX XXXX that I was delinquent on my XXXX payment. I'm on a forberance plan with them which states I will not be reported to the credit bureau. I called XXXX because my credit score dropped XXXX pts. and was told my mortgage company reported I was delinquent on my XX/XX/XXXX payment and that I was in Chapter XXXX bankruptcy. I was discharged from my bankruptcy 1 year ago after having it on my credit report for 10 years. Shellpoint can not add a statement in my credit recordabout being in bankruptcy when I did my part and have a record on my credit report for 10 years and being discharged 1 one ago. I started a dispute with XXXX XXXX. I immediately call my mortgage company to find out why this happened and they apologized and would fix the problem. I waited one month for the dispute to be over. I called today XX/XX/XXXX to XXXX  to ask about the results from my dispute and was told my mortgage company came back with a no change status results. I called my mortgage company and spoke to a supervisor and he told me that Shellpoint did response as of XX/XX/XXXX but I would not see the results for a couple of weeks. I again on XX/XX/XXXX called back XXXX to ask when the results of my dispute would be updated. I was told results are updated immediately and Shellpoint did respond with a no change status. I started a new dispute. After I called Shellpoint again to complain about my situation and was told by customer service that my dispute/complaint would have to be sent to them in writing. I don't understand why and how SHellpoint can get away with this. I have excellent credit history and now my score in XXXX pts less. I did have a bankruptcy that started in XX/XX/XXXX and ended in XX/XX/XXXX I was discharged. I did not add my mortgage in my bankruptcy. I have been paying it ever since until I lost my job during this pandemic. Shellpoint can not add anything having to do with my prior bankruptcy or missing a payment as Im in a forberance plan with SHellpoint. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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.

The letters are stated with items and issues.

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 2022-01-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mom had XXXX recently so I got a forebearance from my mortgage company so I could go home and take care of her. She passed in XXXX. I then found out I had XXXX so I extended the forbearance until XXXX. 

The loan servicer, Lakeview Loan Servicing, told me I could get a deferral on the forebearance and they would send papers. After a day I realized that the cosigner of my mortgage had passed and that would affect paperwork, so I immediately sent his death certificate to the company, who acknowledged receipt. They said they would draw up new papers. 

In the meantime a packet of papers arrived with my cosigner 's information. I called the company, who said they would send corrected documents. 

Two weeks ago a new packet arrived, but with my cosigners 's name STILL on it. 

I called and complained and was told by their loss-mitigation dept that a supervisor had looked at my case and would be expediting the paperwork. 

I called today and they said that it would take another 2-3 weeks. In the meantime they keep sending me warning notices, and just sent me an email saying my deferment deal was no longer on the table. On the phone they said to ignore those notices as apparently one side of the business doesn't know what the other side is doing. 

I suffer from XX/XX/XXXX, and this affair has increased the frequency of attacks to nightly occurrences.

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 2023-06-03
Company: Experian Information Solutions Inc.
State: KY
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2020-08-13
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I have no knowledge of this account. I have tried to contact easy money on several occasions.They are charging me for total of {$300.00} that I did not personal receive nor take out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
Around XX/XX/XXXX I disputed Portfolio Recovery Associates on my credit report. On XX/XX/XXXX XXXX notified me that it was reporting correctly. It is intact not reporting correctly. According to the XXXX, portfolio recovery associates should be not be reporting my account as a factoring company, and also my account is being reported towards my overall credit card utilization every month even though it is not a credit card which it is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$1300.00} XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i XXXX XXXX noticed fraudulent loans and accounts were open in my name i was a victim of fraud when i was younger I did not authorize it.. 
FTC Report Number : XXXX FTC Report Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Berman & Rabin, P.A.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently talked to this company about this debt I'm not quite sure why I'm owing this much it was about {$500.00} and some the time I talked to him and we set up a payment arrangement to pay at least {$100.00} a month so I believe that XXXX is incorrect therefore I believe that this amount should be disputed ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capitol One Data Breach & Settlement. 

Per the phone representative, an email was " successfully '' sent to my XXXX account on XX/XX/2022. After searching my inbox and recognizing several emailed communications from Capitol One, including information on monthly statements and promotional material. I was not successful in finding an email from Capitol One referencing a data breach or the settlement claim. 

I was told by the phone representative that it may have gone to my spam folder. I checked my spam and did not see anything from Capitol One. I find it extrememly odd that I am successful in receiving promotional emails from Captiol One but not ble to find an email and did not receive any USPS communication regarding this settlement. 

I firmly believe Capitol One did not due their due diligence in notifying customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: MI
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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: GOLDMAN SACHS BANK USA
State: CA
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 purchased computer equipment on XX/XX/2021 from a merchant on XXXX. The item arrived on XX/XX/2021, with water-damaged parts. I contacted the merchant and I received a return label from the merchant within 30 days. 

I returned the damaged goods to the merchant with tracking and his signature confirmation that he had received however, the merchant decided to keep the money from the purchase and not refund me. 

I submitted a dispute with Apple Card Support with Goldman Sachs and they mismanaged my case twice with improper handling. I provided photo evidence of the damaged parts, the return tracking information with an adult signature signed by the merchant, and the text messages the merchant sent me confirming the parts were damaged due to improper packing. I submitted the evidence to multiple Apple Card Specialists and they confirmed with me that they submitted the evidence with my dispute. 

After waiting over 30 days for a response from the Apple Card Support Specialists with Goldman Sachs, I received an email stating the dispute was not found in my favor DUE TO NOT SUBMITTING ANY EVIDENCE. I have screenshots of the evidence I provided to the Apple Card Support Specialists in which they confirmed they received the evidence but did not bother to look over it in my case.

It has now been over 4 months trying to get Goldman Sachs to properly refund this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation