BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: IN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/2023 I applied and was approved for a loan of {$500.00}. To complete the approval process, I spoke to an agent on the phone. He asked the number of installments i wanted to complete the repayments in, and I advised him that I wanted to payoff the full amount when the first billing cycle completed in XXXX. He agreed and even noted that was the smartest option due to interest rates. When he emailed the application, it was not set up as discussed, and I fully accept that I did not review the documents properly. I accept that I had some fault initially, even though my further dealings with this company would indicate that is a revenue tactic. 

In XXXX, when I noticed that installment payments were coming out, rather than the full payment. I reached out on chat, and through a phone call. I expressed my disappointment but scheduled the full payoff online, The representative confirmed they could see the pending payment of the full amount. 

Now again, today in XXXX, The full payment still has not been processed, and they continue to bill me in installments with high interest rates tacked on. I have yet again processed another " payoff '' installment. 

I reached out through their chat with agent feature to confirm the payment is visible ( again ), but i am upset that the interest payments of over {$700.00} were not what I agreed to pay verbally & through further communications. They acknowledge they have recordings of the initial loan phone call. I agreed to be recorded on that call.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-23
Company: Data and Contact Management Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was incorrectly filed and was not filed in a timely manner with the Veterans Administration. VA denied claim for those stated reasons. Debt if for my Brother, who passed away on XXXX XXXX. Informed agency of this, and that I am the executor of his estate. This matter is prohibiting me from closing out my brother 's estate with the probate court, due to it being filed as an outstanding debt. The debt was not file correctly with the responsible agency, resulting in it be denied. Collection agency is now trying to collect against my brother 's estate for a debt that he was not responsible for. Two debts for hospital emergency room treatments. XXXX XXXX XXXX XXXX XXXX, AL XXXX in the amount of {$2000.00}. XXXX XXXX XXXX XXXX XXXX, AL XXXX in the amount of {$1400.00}. My brother was a XXXX veteran which both agencies should have file claims with the veterans administration. Debt collection company refuses to assist in this matter to resolve this issue so that I can close out my brother 's estate with the probate court. Spent 96 minutes on a three way call with collection company and VA to resolve issue, with agent from collection company became rude and offensive. XXXX XXXX XXXX XXXX. Collection company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mn XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: IN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Inaccurate Reporting by Experian Dear Sir/Madam, I am writing to express my deep concern and frustration with Experian, one of the three primary credit bureaus, regarding the inaccurate reporting of my credit usage for the past year or more. I have diligently sought corrections multiple times without success, which has resulted in an unjust detriment to my credit score. 

Specifically, Experian erroneously continues to report an open XXXX XXXX card on my credit file when, in fact, this account has been closed. I have been in constant communication with Experian regarding this discrepancy, and every time I am informed that they have communicated with the respective company and updated the results. Regrettably, no actual changes have been reflected in my report. 

It's worth noting that I am currently in the second year of a debt consolidation program with Parachute Debt Consolidation, which mandates the closure of all credit accounts. This further underscores the inaccuracies in Experian 's report. Interestingly, the other two major credit bureaus are reporting my status accurately, not showing a staggering 64 % credit usage, as Experian does. 

Furthermore, during the unprecedented challenges of the pandemic, both XXXX XXXX and XXXX XXXX  XXXX XXXX refused to cooperate or offer a payment agreement, even as I faced significant financial hardship. Their stance has also added late payments to my credit report for several months, a reflection that does not align with my genuine efforts to make good on my commitments. 

My primary goal is to ensure that my credit score is a true representation of my financial responsibilities and behavior. It is disheartening that, despite my earnest efforts to resolve my debts and improve my financial health, certain institutions and entities are not supportive of this journey.

I appeal to the Consumer Financial Protection Bureau to intervene in this matter. It is essential for consumers to trust that the information reported about them is accurate and fair, especially when it has significant implications on their financial futures. 

I am seeking your assistance in ensuring that Experian corrects these inaccuracies promptly. It would be much appreciated if you could review this case and provide the necessary guidance to rectify the situation. 

Thank you for your time and consideration. I look forward to a swift resolution. 

Sincerely, yours, 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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
COMPANY TRANS UNION THAT WAS BUILT ON SLAVERY, HAS VIOLATED MY CONSUMER RIGHTS. THERE IS A FRAUDULENT ACCOUNT THAT WAS DISPUTED AND REMOVED IN THE PAST BACK ON MY CREDIT PROFILE. XXXX XXXX XXXX. XXXX XXXX XXXX WAS DISPUTED BEFORE IN THE PAST AND REMOVED. WHY HAS THIS FRAUDULENT ACCOUNT REAPPEARED BACK ON BY CREDIT PROFILE? COMPANY TRANS UNION ONCE AGAIN HAS VIOLATED LEGAL CONSUMER LAW 42 US CODE 408 - ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER. I HAVE SENT COMPANY TRANS UNION LETTERS TO REMOVE THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE IT IS MY RIGHT. THIS ( 15 US CODE 1681 e ( b ) - MAXIMUM ACCURACY AND 15 USC 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ). WHAT PERMISSIBLE PURPOSE DOES THIS COMPANY THAT WAS BUILT ON SLAVERY HAVE BY NOT HONORING MY REQUEST TO REMOVE SENSITIVE INFORMATION OFF OF MY CREDIT PROFILE? PLEASE CORRECT ALL ERRORS

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 2021-03-23
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Apple / Goldman Sachs refused to authorize the closure of my account after 25 minutes+ waiting. Three managers were contacted and none were responsive. I was not afforded any alternate option but to endlessly wait. It seems this is an unfair consumer tactic to discourage closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: FL
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:
I reviewed my consumer report and noticed a fraudulent account and fraudulent inquiries being reported. The fraudulent account that was being reported is XXXX account number XXXX. The fraudulent inquiries that are being reported are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: AR
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:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the recent experiences I have had with your institution in attempting to open account. My name is XXXX XXXX, and I have been a long-standing customer for several years, which is why my recent experiences have been particularly disappointing. Over the past, I have made multiple attempts to open new accounts with your institution. Unfortunately, all of these attempts have resulted in significant delays and inconveniences, which have caused me great frustration and concern. The initial application process for opening accounts was straightforward, but I found that there were significant delays in receiving updates and responses from your customer service team. I often had to follow up multiple times before receiving any meaningful communication. On several occasions, I was informed that certain documentation was missing or incomplete, which further delayed the process. This was despite my best efforts to provide all required documents promptly. The repeated delays in opening the accounts have caused me considerable inconvenience. I had to reschedule important financial transactions, and the uncertainty surrounding the account openings has been a source of stress. 

I understand that unforeseen circumstances can sometimes lead to delays in banking processes. However, the frequency and severity of the issues I have encountered are not in line with the high standard of service. As a loyal customer, I believe that it is essential for your institution to address and rectify these issues promptly. 

I kindly request that you investigate the matter thoroughly and take appropriate actions to prevent such issues from occurring in the future. Additionally, I would appreciate it if you could expedite the process of opening the accounts that are currently pending, as the delays have already caused me significant inconvenience. 

I value my relationship with you and hope that this issue can be resolved promptly to restore my confidence in your institution 's services. I would like to outline the issues I have encountered about this late open account : XXXX XXXX Balance : {$170000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: AR
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:
I hope this letter finds you well. I am writing to formally lodge a complaint concerning multiple inaccurate address listings and fraudulent inquiries on my credit report, which have caused significant distress and concern. My name is XXXX XXXX, and I have been a responsible and diligent credit user for many years. 

I recently reviewed my credit report from XXXX, Equifax and XXXX Credit Bureaus and discovered several inaccuracies and fraudulent inquiries that require immediate attention. I noticed that my credit report contains multiple addresses that I have never resided at. These inaccuracies not only cast doubt on the reliability of my credit report but also raise concerns about potential identity theft or fraudulent activities. There are several credit inquiries on my report that I did not initiate. These inquiries were made without my consent or knowledge, and they were not related to any legitimate credit applications or transactions I have undertaken. I understand the importance of maintaining an accurate credit report, as it plays a crucial role in my financial well-being. These inaccuracies and fraudulent inquiries not only damage my creditworthiness but also create a sense of vulnerability and insecurity. 

I kindly request that you take immediate action to investigate and rectify these issues on my credit report. I have attached copies of my credit report highlighting the inaccuracies and fraudulent inquiries for your reference. 

I understand the importance of maintaining accurate credit reporting and trust that the XXXX credit bureaus will take the necessary steps to rectify this situation promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. I believe it is essential to highlight the issues I have encountered about this fraudulent items : 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
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate these inquiries : 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 XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX However XXXX they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly.

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 an 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 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 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
There are multiple accounts on my credit report that do not belong to me these accounts were never authorized or opened by me I need these off my credit because they dont belong to me!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX CARD SER - Acct # XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX XXXX BANK - Acct 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 non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NY
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

This account " XXXX XXXX XXXX XXXXXXXX '' should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
To whom it may concern, I applied for a platinum US Bank credit card, they asked for further information which I send them through fax. My driver 's license, my social security card, XXXX banks statements from XXXX different bank account. Thry said that they still couldn't verify me. Called them and they didn't provide me with any information why I couldn't get verified. Since I have send in all this sensitive information and they can't verify me I don't want to have a credit inquiry on my credit report. They will either have to provide me with this information or I have to file a police report. Please advise. Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: AR
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:
I hope this letter finds you well. I am writing to file a formal complaint regarding multiple requests to correct late open accounts on my credit report, which have caused me significant frustration and concern. My name is XXXX XXXX, and I take my financial responsibilities seriously. 

Upon reviewing my credit report from Credit Bureaus, I have discovered several instances where open accounts are listed as late or delinquent, which are inaccurate and damaging to my creditworthiness. The credit report shows that several accounts were opened at a later date than they were actually initiated. This incorrect information implies that I have been responsible for late payments on these accounts, which is not the case. 

Negative Impact : These inaccuracies have had a detrimental effect on my credit score, making it more difficult for me to access credit and achieve my financial goals. I have always made timely payments on my accounts, and these inaccuracies do not reflect my credit history accurately. 

Frustrating Discrepancies : I have made multiple requests to correct these inaccuracies with 3 Credit Bureaus, but the corrections have not been reflected on my credit report despite assurances that they would be updated promptly.

I understand the importance of having an accurate credit report, as it is a critical factor in determining my financial well-being. These inaccuracies have caused me undue stress and frustration, and I believe it is essential to address them promptly.

I kindly request that the 3 Credit Bureaus take immediate action to investigate and rectify these issues on my credit report. They have to correct the inaccurate reporting of late open accounts to reflect the correct opening dates, update my credit report to accurately reflect my payment history and creditworthiness and provide me with a revised and accurate credit report as soon as possible, showing the necessary corrections. I have attached copies of my credit report highlighting the inaccuracies for your reference.

I trust that Credit Bureaus will take the necessary steps to rectify this situation promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. Specifically, I request the following late open accounts to be corrected right away : XXXX XXXX XXXX Balance : {$97000.00} XXXX  XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$2900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: GA
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 have a XXXX  XXXX bankruptcy on my Experian an XXXX XXXX credit report but not on my XXXX report an I have disputed this information several times we these two burials an I have been going back an fort with each credit bureau an no results an has stop me from getting the credit i Need.

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