BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had my apple card restricted before XXXX. I contacted right away and asked why did you guys do it. They said they think the account is fraudulent and need to verify it. They needed to send me an emial through XXXX so I give permission to my tax records. It took them 4 days to give it to me. After I signed everything. I have been waiting up to this date with no sign of ever being finished. Everytime I write to them they say it is still under review. Come on man just finish up with the review so I know my next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-09-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX 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 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 2023-09-30
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:
This is my 13th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of Identity Theft in XXXX. My identity has been stolen, through distribution of my SS # numerous times between XXXX and XXXX. 

My identity was used to open an account with XXXX XXXX in XXXX, under my name in XXXX. Received notice of debt collection on my credit report from XXXX on XX/XX/XXXX. 

I filed a police report on XX/XX/XXXX and notified debt collector, IC Systems, of the theft with letter and copy of police report on XX/XX/XXXX. 

I noted with review of my credit report in XXXX that the collection was still on my credit report and so I called XXXX XXXX. They stated it was out of their hands and to contact IC Systems. 

IC Systems did not take any action until I called them later in XXXX and sent a follow-up letter on XX/XX/XXXX. They replied with a letter dated XX/XX/XXXX that they will no longer pursue collection of the debt to XXXX XXXX. I assumed this would take care of the problem. 

It was brought to my attention in XXXX of XXXX that the debt collection from IC Systems was STILL on my credit reports. I called IC Systems and they indicated they have no record of them sending me the letter dated XX/XX/XXXX. I resent them their letter and the police report of XXXX/XXXX/XXXX and they responded by sending me a bill for the debt of {$1500.00} on XX/XX/XXXX. I called them and they would not talk to me. 

They sent another letter XX/XX/XXXX indicating they can not reach out to the creditor and would not provide me with any contact information I had requested. Same with letter dated 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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting a late I shouldn't have. I had just moved and they hadn't sent me any statements, by the time I got one it was too late and I had the late payment on my account. I would like for this to be removed.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: FL
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:
Please remove collections and charge offs from my report. XXXX. XXXX XXXX, and XXXX XXXX. This has caused me financial hardship and embarrassment. This matter is involved in litigation. I never gave anyone permission to sell my information. If this issue is not solved appropriately I am getting an lawyer to sue. 

Please be aware when handling this matter. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

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 2021-02-14
Company: MoneyLion Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Early in XXXX ( I believe it was XXXX ), I noticed there were some charges made to my bank account. They were for the company in question, MoneyLion. Because the charges were unknown to me and there were other unknown charges made to my account at that time, I had filed a dispute with my bank, XXXX XXXX. I had provided a written statement and signed affidavit to XXXXXXXX XXXX. The charges to my account were removed and once my money was returned to me, I closed the account. Near the end of the process, I inquired if there was anything I needed to do with the offending company. XXXXXXXX XXXX said no. 

On XX/XX/XXXX, I had started the preapproval process for a home loan. It was at this time I had discovered that MoneyLion had reported that a loan taken out in my name without my knowledge had been discharged. 

Upon discovering this, on XX/XX/XXXX, I had reached out to MoneyLion to try to resolve the dispute with them. The customer service representative said they would forward the case to their fraud department, who would then call me when further information is needed and also send me paperwork to sign, such as an affidavit. 

As of right now, XX/XX/XXXX, I have not received any phone calls, nor have I received any paperwork from MoneyLion.

They do not seem like they want to correct the issue they caused by not performing due diligence when verifying the identity of borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, 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:
UPON REVIEWING MY CREDIT REPORT I SAW NEGAITVE INFO IN MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: DC
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
US DEPT ED XXXX Balance : {$3900.00} XXXX XXXX XXXX : {$2300.00} U S DEPT OF EDXXXX XXXX XXXX {$3600.00} U S DEPT OF EDXXXX XXXX : {$5700.00} U S DEPT OF EDXXXX XXXX XXXX {$5300.00}

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 2021-11-18
Company: Experian Information Solutions Inc.
State: LA
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:
The addresses that are posted do not belong to me I have never lived at these addresses delete immediately XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, LA 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 2023-06-05
Company: Experian Information Solutions 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:
I called your department after I purchased a credit report with Experian.com on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS account on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible.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 2023-01-11
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX  Amount : {$27000.00} XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX  Amount : {$54000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
COMPLAINT ID XXXX-XXXX  SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during payment process My issue ( s ) continue : The mortgage company PHH is not currently working to resolve my previously reported issue ; nothing is currently being done to correct the now issue, as they incorrectly resolved the previous one.

I followed-up with PHH 's Escalations Department ( on XX/XX/XXXX ) and was told that my account had been brought to current, and all I now had to do was pay my mortgage amount for the month of XX/XX/2021 ( PROBLEM is, that I've already paid the mortgage for the month of XXXX ( in- full ) on XX/XX/XXXX - which should make my next payment due in XX/XX/2021. 

Now, rather than being behind the one payment they misapplied and was supposedly working to correct - they've now indicated to me that I owe for the entire month of XXXX ( indicating that I'm now a full payment behind ). It's obvious that PHH is not structured correctly to handle Flex payments - even though the offer it. I reached out to them, and they've now cancelled Flex-payment, the last being XX/XX/XXXX ). ON XX/XX/XXXX, I paid my full mortgage amount for XXXX - the next should be due in XXXX. 

I have paid all mortgage payments obligated, and my PHH Dashboard Payment history reflects this fact - but, PHH 's " Payment due '' is always incorrect. It now stated that I am 14 days past due.

While this issue drags out ( now over 2 months ) it has and continues to negatively effect my credit history and is causing considerable stress to myself and family, during these trying world times. The company is negligent ; is seems if anyone form PHH was actively concerned with resolving this issue, it would not take so long to resolve such an obvious issue. The Payment history which is available on their PHH sites holds the obvious answer to a simple resolution - apply the payments correctly. 
I subscribe to a credit reporting and monitoring service. I received notice this month that my credit score had dropped 43 point. I inquired and was told that it was due to " late payments '' reported by my mortgage company. I went from the 800s to 700s. Is their a plan for them to resolve this developing issue? - they don't seem very concerned as I've still received calls from PHH 's Collect Department, and it obvious they've falsely reported to
the Credit Bureaus ( while they're supposedly working to resolve the issue ). It's so blatant that is seems deliberate.

PHH now reflects I'm 14 days late for XX/XX/XXXX ( which I paid in-full on XX/XX/XXXX ). While they supposedly work and continue to draw-out the resolution of an issue of they're own doing - I continue to be affected by the incompetence and negligence in resolving this issue. 

Note : Although, I wrote to CFPB on XX/XX/XXXX, the issue with PHH was reported and supposedly being worked well over 60+ days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

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 2021-11-18
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:
Hard inquries are not mine. 
transunion and 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 2019-06-26
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company holds four collection accounts under my name for credit card/medical debt. They constantly keep changing the dates of these collections on my account to make them look recent, when in fact they were over two years ago. They also keep changing the name of the collection agency from LVNV to Resurgent Capital Services, back and forth on my credit report with different and more current debt dates of the action ; thereby, keeping these accounts on my credit report with newer dates ( Both LVNV and Resurgent Capital Services use the same address and phone numbers.This is so they will not fall off within the seven years as required. Three of these debts are medically related and I have filed a complaint with the California State Dental Board against this company. I also notified the original creditors as well as the collection agencies of this dispute and filing with the State of California. These were all ignored as well as all my other correspondence with these creditors and collection agencies.I also just recently went through a natural disaster ( XXXX XXXX, XXXX California ) and lost everything. I have a FEMA Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Bread Financial Holdings, 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:
When applying for a line of credit through kay XXXX via comenity bank, I was reportedly declined because of the following : -High average credit limit or loan amount on revolving/real property trades or credit balance to limit ratio on revolving trades -Low level of authentication indicative of first party fraud or ID fraud -Recently opened revolving trade or limited history on revolving trade The report also said my behavioral risk score was XXXX as of XX/XX/XXXX of 2022, Im assuming because of the previous list. 

None of this sounds familiar to me. I received this information in a notice mailed to me later after the initial application. 

I was also unable to create certain accounts being told that my information doesnt match/lineup when attempting to check into this using sites such as XXXX XXXX etc I have been trying to get in touch with comenity or kay, but every time I do, I either get put on hold forover, theyre closed, or I get told I need to have an account for them to actually help me with anything.

Company response to consumer: Closed with explanation