BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XX/XX/XXXX, i misplaced my wallet which had all my information in there including my social security card, my government-issued ID as well as my bank cards. i may or may not have left it at a bar but i, later on, got a call from the bar and was given back my wallet. Since then, i have been suffering from identity theft issues, day in and day out. in XXXX, i did a police report and i have done 2 more police reports since then. this is a troubling issue for me. 

these accounts are inaccurate and needs to be verified thoroughly US DEPT OF EDXXXX  - {$19000.00} reported XX/XX/XXXX US DEPT OF EDXXXX XXXX {$14000.00} reported XX/XX/XXXX US DEPT OF ED/XXXXXXXX - {$8000.00} reported XX/XX/XXXX US DEPT OF EDXXXX - {$17000.00} reported XX/XX/XXXX US DEPT OF ED/XXXX - {$13000.00} reported XX/XX/XXXX This account below i have no knowledge of and it needs to be verified with everything accurate because i never lived there. i have contacted them many times to resolve this XXXX XXXX XXXX- {$6600.00} reported XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax has stated that they have contacted North Dakota child support. I have called them and spoke with them as well! They are not reporting my arrears because it happened during a time of XXXX and they have been paid. I do not believe that once a XXXX is proven and acknowledged by XXXX I should not be punished for late payments as a result of said XXXX! That is what is happening here. I have been XXXX since XXXX of XXXX and did not receive any payments until XXXX XXXX I believe. So in effect I am being punished or discriminated against by Equifax simply because I was XXXX and could not pay until the U.S. Government paid me my XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: GOLDMAN SACHS BANK USA
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Goldman Sachs Bank recently changed policies associated with ACH and wire transfer withdrawals from accounts held with them. Here is a verbatim statement of their account changes taken directly from an email : " Weve updated portions of our Deposit Account Agreement relating to your account ( s ). For existing customers, the changes will go into effect 30 days after the date of the Deposit Account Agreement linked below.

I contest any limits that the bank places on funds transferred. It is my money, and I have the right to access my funds when I want at whatever amount I want, and they have no right to create a policy that limits such access and also creates limits " on the fly '' when I first try to schedule such transfers. Based on the laws I have read, what they have implemented is illegal and I did n ot agree to such policies when I opened my acount. 


" Here are some key changes : ACH transfer limits. We may place limits, based on total dollar amount or frequency, on funds transferred by ACH between your XXXX account and a linked external account. Well let you know about these limits when you schedule your first such ACH transfer. 

Wire transfer limits. We may place limits, based on total dollar amount or frequency, on funds you send by wire from your XXXX account to a third-party account. Well let you know about these limits when you schedule your first such wire transfer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2018-08-23
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was called by Quicken loans because I had used their mortgage calculator online. I told them I couldn't talk because I was busy with my daughters, they asked when I could talk, we agreed on a time, they continued to question me, I informed them I was just playing around with numbers, I was not sure if I wanted to buy a house, and if I did it wasn't going to be for at least 6 months. They asked for my social security number, I asked if they were doing an application, they said no, I gave them my number, and within an hour or so I got a notification that they had approved me from a loan, and one from XXXX   saying that I had a new hard inquiry. They did not have my permission to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: CITIBANK, N.A.
State: CO
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 never had a missed payment before on my Citi Bank Card but I faced some financial hardship due to a XXXX  child and fell a payment behind. I called to ask about hardship assistance and was enrolled in a hardship program that closed my account but would help me pay off the card. 

I asked numerous times if I would be reported as delinquent by Citi Bank after enrolling in this program. I was told that I would not be reported as delinquent and that my balance would now only have a rate of 0 % and a 60-month payment plan. The only thing that would be reported to the credit bureaus as long as I made my monthly payments on time while in the program is that the account was closed. 

A month later I get a report that Citi Bank has been reporting me every month since the program began as deliquent due to a past due payment when I enrolled. I was told this would be rolled into the balance due and the program, instead it remained as separate delinquency and each of my payments to the program went towards it making every payment late. 

I filed a complaint and the call was reviewed and I was told that the representative did provide inaccurate information to me but there was nothing the woman I spoke to could do to remove the late reports I needed to submit a dispute to another department and was given an address despite Citi Bank confirming they were in the wrong. 

I have yet to hear any response from Citi Bank in regard to my letter or dispute and they have not updated my status with the credit bureaus. 

The reference number for the call with the department who reviewed it is # 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 2023-06-04
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind on my mortgage payment, and I was approved for a grant to cover my payment. I receive my statement for XXXX with the full amount I was behind. The balance between my payment, and the grant will leave my XXXX payment to be {$280.00}, I am being told there was a shortage in my escrow, so I will have to pay the full amount of {$550.00}. The payment for the shortage is included in the behind payment, so the grant cover the shortage. Plus, there was an additional charge of {$2300.00} I didn't find out about until I saw my XXXX statement. It was called Recoverable Corporate Advance. I was told by my mortgage company this was money they advance me to pay there attorney fees. I didn't sign any paperwork. I didn't know anything about this. I wouldn't agree to this. This amount is almost as much that I owe. I was in a hardship, and we were in a pandemic. They should have been working with there customer, and waived this fee.

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 2020-03-18
Company: Phoenix Financial Services LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a third party debt validation letter to Phoenix Financial Service, requesting any contractual agreement between me and their agency. To this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$1200.00}, which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Phoenix Financial Service has failed to validate this alleged debt within the 30 day allotted time frame pursuant to 15 U.S.C section 1692g. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports, which is a violation pursuant to 15 U.S.C. section 1681b.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There is an amount of {$60.00} to a doctor in dispute as reported by the big 3 credit bureaus, it would if dropped improve the score by enough points to refinance our mortgage. I paid {$19.00} for a full report. The health insurance company said the charge was disputed and the copay would have covered the visit. Yet the {$60.00} still shows on credit report as unpaid and delinquent. I'm not sure how to go about recovering from the mistake to make our credit score raise. This was discovered two days ago Monday XX/XX/XXXX by a mortgage company who told us what was holding the refi up. This is after I paid for report from credit bureaus. The health insurance company disputed the amount with the doctor and the medical office and there was an agreement that the amount was wrong and only the {$15.00} was needed for the payment the copay and it was paid in office the day of service and this is over 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Capio Partners, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received any notification regarding this alleged debt they say I owe. I check my credit and a collection account appears on my credit file. I have sent a validation notice, yet I have not since received any responses with their method of validation or any validation at all. Please explain how you're reporting this account as meeting FCRA guidelines? The letter sent is attached requesting validation and If you can not provide me with this information, then please delete this account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: Lending Club Corp
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Lending Clubs customer service representatives have misapplied three different payments that I made over the phone to my balance and not the payment due. Each time I have called to make a payment I clearly told the customer service representatives that I was calling to make a monthly payment. They would take the payment and then the following month I found out I was being reported as 30 days deliquent to the credit bureaus. 

The payment system Lending Club has in place is atrocious. I have tried to resolve this with them countless times. The last call I had with a supervisor regarding this back in XXXX I was assured that the late reports would be removed from my account and that in fact I was now a payment ahead and not ever behind. 

The supervisor informed me that they had reviewed the calls and they verified that every time I called to make the payment prior to 30 days late and clearly stated I was making a monthly payment but each time it was not applied that way and I was reported as 30 days late. I am so frustrated with the practices that they have had in place for payments. The supervisor I spoke to in XXXX not only assured me that the late reports would be removed but they also indicated that this was a huge training issue across the board and that Lending Club was in the process of changing the entire way they take payments. 

This is my third loan with Lending Club : I have NEVER had a late payment until my identity was stolen and I had to close the account I made my automatic payments from. In XXXX of 2019, my identity was stolen and my checking and savings account were comprised causing things to overdraft and me eventually have to close the account all together. I contacted Lending Club right away and set up a new account to draft my payment from and was told it was all set. It wasnt until almost XXXX that I realized that the payments werent being taken out and was then told that they couldnt withdraw from a savings ( only after I called ). This was never told to me when I provided the account information. Once I discovered the payments werent being made I made a double payment in XXXX to catch up on the payments as quickly as I could and that is when they began to report me as 30 days late. I began making all of my payments by phone after that and this is when I realized that this was an on-going issue with Lending Club and it was done again in XXXX and XXXX. 

I have written Lending Club letters on in XXXX, XXXX and XXXX. I have spoke for hours on the phone with representatives and supervisors and despite telling me it would be corrected it hasnt and it has been detrimental to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: Experian Information Solutions Inc.
State: IN
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: Other problem getting your report or credit score

Complaint:
I have been monitoring my credit and scores. All the while trying to improve and get my score up for a home purchase. My loan officer pulled all of them and XXXX XXXX is showing a XXXX while Im seeing all XXXX scores. I want and should not have to pay for my true scores. They are mine! And I should not be getting false information about my scores! They should be a irate across the board. These are my credit scores!!!!! And if I obtain my 3 reports they better be what a mortgage lender sees, as this to me is a huge fraud case that I am looking into taking to legal counsel as well and a court, I am not playing any more as I have been trying to buy a new home and was not pre approved even though my scores show me a medium of XXXX. And to find out transition was a XXXX from what my lender has told me. This is unfair practice

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 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
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:
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 U.S.C. 1681. 

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 has violated my rights. 

15 U.S.C. 1681 section 602 A states i have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 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 agency if the person knows or has reasonable cause to believe that 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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$350.00} XXXX XXXX {$2700.00}

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 2018-02-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX In the above refrenced complanit you stated information was submitted to me which is false. There will not be 30 days to reinvestigate I gave you more then 30 when I disputed the items initally. The comapny responded saying they cant locate the accounts so how were the proof submitted. Based on the credit file its states they are medical debuts. As an XXXX XXXX service member before a negative item can be added to my credit report there needs to be a court order. per the SCRA act. XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$1800.00} o XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$1200.00} o XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$64.00} o XXXX XXXX XXXX/ XXXX XXXX XXXX balance of {$42.00} dditionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had identity theft and I reported it to the police on XX/XX/2023, I sent this information to the credit bureaus together with my identification and they tell me that they did not receive this information, only the letter, which is not correct. 

I demand that my consumer rights be enforced and that my case be investigated since I do not want to wait any longer. 

Thank you

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 2022-12-30
Company: Maxitransfers LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
On XX/XX/ I sent the amount of {$95.00} usd to a family member internationally to XXXX using maxi transfers through a company by the name of XXXX XXXX. As I've called countless times to check on the status of the transfer being as my recipient has to this day not yet received the money, have received no help from the company. So today I finally get through to customer service and i am told after giving information about the transaction that XXXX rejected the transfer due to the account not being able to receive international transactions at the time. So I kindly asked for assistance with getting a refund and was transferred to a customer service representative by the name of XXXX and after I provided her with the Confirmation number to the transaction was somehow disconnected. So I am now taking the necessary action of submitting this complaint. All I want is my refund for the money that was sent and never received please and thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation