BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Experian Information Solutions 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed below. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: GA
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 two types of discrepancies in my credit file that has led me to believe that I have been a victim of fraud or my information is being crossed with someone else. First of all, there are two bankruptcies appearing on my report and I have never filed bankruptcy. Secondly, there are some accounts that do not belong to me and they are derogatory. I have tried to resolve this issue with the credit bureaus but it has not worked. I have attempted to pull the bankruptcy file from the courthouse for review but have not been able to retrieve any documents. I have also obtain on two separate occasions police reports to prove my case. The case numbers of those reports are listed within the fraud affidavit that I included in my disputes. So far, nothing seems to be working for me when it comes to clearing these errors off my report. I would like to have these items, which I will attach, deleted off my credit report in accordance with FCRA act 605b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: Automated Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently sent out affidavit with invoice attached and had you the CFPB contact Automated Collection Services Inc. They responded with closing the account for the wrongfully, civilly, and criminal violations that theyve committed. Which removing/deletion of an account is admission to the crime theyve committed. 
The Automated Collection Service Inc agent was XXXX XXXX. I DO NOT appreciate my right to privacy and consumer rights being violated. Now I DEMAND compensation by check for the violations committed or else legal action will be taken. Respond only with telling me my check has been sent out for violating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My regular scheduled mortgage payment is {$1400.00}. The mortgage servicer 's policy is that you can make extra payments by increasing the amount of money deducted from my checking account each month. I pay {$3500.00} every month with the intent of paying my interest, escrow, and the balance going toward principal. In XXXX, my payment was broken down as : interest - {$140.00}, escrow- {$830.00}, principal {$2500.00}. That's proper and how it should work. 
In the month of XXXX, someone at Newrez deleted the extra principal payment and instead applied it as a double monthly payment. The payment breakdown for XXXX ended up as interest - {$270.00}, escrow- {$1600.00}, principal {$1500.00}. 
For some reason after this unexplained " transaction '', someone went into my account on XX/XX/XXXX and deleted {$1700.00} from my principal balance which increased my principal from {$59000.00} up to {$61000.00}. 
Last year for the entire year, the escrow on my mortgage account paid out a total of {$7300.00} - that's taxes, home owner insurance... everything. After 4 months so far this year, Newrez has applied {$4100.00} towards escrow instead of properly applying it towards the principal. At this rate, they're going to put {$12000.00} into my escrow account to pay {$7300.00} in taxes and insurance instead of applying it towards the principal. 
I've sent two " secure messages '' on their website and on XX/XX/XXXX I called and talked to a customer service rep for over 9 minutes who assured me that she was going to fix these problems. I haven't received any response to the secure messages. 
All of the payments from XXXX have posted and cleared the account, but the issues from XXXX are still hanging over the account and have been unresolved. I'm simply trying to pay off my mortgage early since I retire in less than 6 years, and don't feel like my issues with the mortgage servicer should be ignored. Any suggestions on how or what I can do to get this resolved?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: GOLDMAN SACHS BANK USA
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX payed XXXX on a balance of XXXX they double charged bank account to a total payment of XXXX tried to dispute they emailed me saying I made the duplicate payment of exactly XXXX when they dont even have a payment feature that over pay on the credi card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719,1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This company has committed fraud and required payments as well as fraudulently attempted to accept them when federal law states and is PROOF that ALL debt is due to the United States which wouldnt require me by law to owe ANY DEBT to CAPITAL ONE, according to 18 USC 8 which states The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. which is furthermore PROOF and FACTS that my complaint against this company CANT BE REBUTTED and is also PROOF this company is or has been committing a crime since the first payment was made or is currently being demanded to pay a debt claimed to be owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hurting my file. alot of the data is invalid on all credit bureaus. please review an remove the information submitted to clear my file asap.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2018-06-20
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
PayPal withdrew money from my account erroneously and they are refusing to credit my account back. I spent hours on the phone with a rep. Every time I was transferred to a supervisor I was disconnected. It looks to me from my account activity that they put in a bad system fix ( I used to XXXX XXXX XXXX when I worked for XXXX   ). They are calling it a balance adjustment but it is theft. They wont help make this right and Ive spoken with several others with this exact problem. Some are speaking with attorneys but I thought that this bureau is just the place to make thus kind of a complaint known.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Upgrade, Inc.
State: NV
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 SENT IN AN IDENTITY THEFT REPORT AND THEY SENT ME BACK A RESPONSE AS VERIFIED AN UPDATED THE ACCOUNT I NEVER RECIEVED ANY GOODS NOR APPLIED FOR ANYTHING WITH THIS COMPANY.SOME OF THE ACCOUNTS LIKE XXXX  XXXX XXXX, XXXX XXXX, AND XXXX  HAS BEEN REPORTING CLOSED FOR OVER 7 YEARS AND STILL THERE, AND THOSE ACCOUNTS WERE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRUIST FINANCIAL CORPORATION
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:
Upon receiving my credit report it shows XXXX XXXX did a hard inquiry on XX/XX/2019. I have never spoke to this entity or authorized any third party to consent to a credit check. My credit file at this time had a fraud alert and clearly has a notation I must be called to do a credit check. Per TILA the consumer must know what the loan details are prior to credit being obtained. At no point did I speak to anyone from this entity.

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 2022-07-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My problem is this : back in 2006 my spouse and I did a spousal consolidation loan to make it easier to make one payment together. These loans are impossible to untangle, and make it impossible for either of us to qualify for loan forgiveness, even though we have the requisite 120 payments and public service. We are only excluded from these programs because of the consolidation of our FFEL loans.

Further, I had to apply for loan forgiveness three different times and be rejected for three different reasons, none of which were the spousal consolidation, but all of which were because of the spousal consolidation. 

A growing number of us are discovering this problem and we would like the CFPB to join us in pressuring Congress to do the right thing so we can disentangle these loans. What a mess this program has been!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2023 I attempted to do a balance transfer using my Truist app to transfer a balance of {$8400.00} to pay off my XXXX  XXXX XXXX credit card and it kept saying it wouldn't go through. On XX/XX/2023 I called Truist and a rep was able to help me with a balance transfer that I decreased to {$7400.00}. 

On XX/XX/2023 XXXX  XXXX XXXX received money from Truist in both amounts for a total {$15000.00} in which it took months of phone calls to get reversed. So finally, on XX/XX/2023, XXXX  XXXX XXXX sent Truist back {$8400.00}, but Truist is saying they never received it. I have called both banks MANY times and have not gotten anywhere. 

Truist is asking XXXX  XXXX XXXX to send me proof of the wire transfer with accounts and routing numbers which I have yet to receive. So basically XXXX XXXX XXXX say we sent Truist the money and Truist is saying they never received it and I am on the hook for this missing {$8400.00}. I do not 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit bureau refuses to remove credit line item for XXXX. Currently in legal remedy against XXXX as services never delivered and products not installed ; I didnt get the services! Extremely deceptive trade practices. 

Attorney XXXX XXXX XXXX ( XXXX ) XXXX Demand for Arbitration made

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 2020-05-11
Company: Experian Information Solutions Inc.
State: CA
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:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609

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 2023-10-25
Company: LAND HOME FINANCIAL SERVICES
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My original mortgage with XXXX XXXX XXXX  # XXXX was sold to a company called Land Home Financial Services Inc as of XXXX of XXXX. I had automatic payments set with XXXX XXXX and all payments were made and I have never been late. I never received any notification from the new mortgage processing owner. On XX/XX/XXXXXXXX   I finally received a statement adding 'FEES ' to my mortgage monthly payment of XXXX, which they claimed are fees owed to them. I contacted the company multiple times via telephone, without any resolution. They do not have a website to see your mortgage or payments. I continued to submit my monthly mortgage payment via check because this incompetent company of loser does not offer web based payments, so it is like the XXXXXXXX XXXX where you have a mail a check to California. I have made my monthly payments and yet I keep getting a statement for XXXX without any explanation. The few people which answer phones are rude, ignorant and careless. They said XXXX XXXX just recently credited my accounts but they have not made any adjustments for those fake 'FEES '. I am raising this complaint and will move forward with litigation.

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 2023-05-27
Company: DISCOVER BANK
State: NV
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 SENT IN AN IDENTITY THEFT REPORT AND THEY SENT ME BACK A RESPONSE AS VERIFIED AN UPDATED THE ACCOUNT I NEVER RECIEVED ANY GOODS NOR APPLIED FOR ANYTHING WITH THIS COMPANY.SOME OF THE ACCOUNTS LIKE FIRST XXXX XXXX, XXXX XXXX, AND XXXX  HAS BEEN REPORTING CLOSED FOR OVER 7 YEARS AND STILL THERE, AND THOSE ACCOUNTS WERE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 SENT IN AN IDENTITY THEFT REPORT AND THEY SENT ME BACK A RESPONSE AS VERIFIED AN UPDATED THE ACCOUNT I NEVER RECIEVED ANY GOODS NOR APPLIED FOR ANYTHING WITH THIS COMPANY.SOME OF THE ACCOUNTS LIKE XXXX  XXXX XXXX, XXXX XXXX, AND XXXX  HAS BEEN REPORTING CLOSED FOR OVER 7 YEARS AND STILL THERE, AND THOSE ACCOUNTS WERE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Paypal Holdings, Inc
State: GU
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2020. Amount : XXXX US dollars. PAYPAL payed for service that i never received. Ask for money back but Paypal said no. XXXX Visa Debit Card VISA Debit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 

Exchange rate {$190.00} USD = {$240.00} CAD 1 USD = XXXX CAD Transaction ID XXXX Sent to XXXX XXXX XXXX Note friends and family Details Sent to XXXX XXXX {$230.00} CAD {$180.00} Fee {$13.00} CAD {$10.00} Total {$240.00} CAD {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: CA
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:
XXXXXXXX XXXX reported my loan as over XXXX days late when it was being paid off. 
It has been paid in full. I have not been able to get help from XXXXXXXX XXXX. I mailed a formal request in with documentation and no one has contacted me. I have submitted a claim on Experian and it was not removed. This mistake has destroyed my credit score unnecessarily. I was simply paying off a HELOC with another one. XXXX XXXX requested a payoff from XXXX XXXX, then there was a small amount due left over due to an inaccurate payoff being provided, and I immediately paid that. There was XXXX reason why a mortgage late should have been reported.

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 2023-03-31
Company: Experian Information Solutions Inc.
State: IN
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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2022-07-21
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Settled account in full and the company sent me a letter saying that they notified all credit reporting agencies to delete my account information

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