BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have three credit card debts on my reports that were not opened by me! I send multiples requests requesting validation and proof of contract and they have fail to provide me the requested information. Thus debts are affecting my credit and I'm very unhappy of the lack of attention this co pay had showed to this matter by not sending the requested documents proving the validation of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with XXXX by Goldamn Sachs on XX/XX/XXXX. This account had a signup bonus of {$100.00} if I kept {$10000.00} in the account for 90 days from the date of deposit. I deposited the required funds on XX/XX/XXXX, realized I messed up on not activating the signup offer first and did a reversal on XX/XX/XXXX, activated the offer that same day, and re-deposited the {$10000.00} on XX/XX/XXXX. These funds havent been touched since. More than 90 days have passed and XXXX has not paid out the {$100.00} bonus that I shouldve been eligible for already. I contacted XXXX on XXXX and the agent I spoke to said she would open a case for me and it would take 3 business days to resolve. On XX/XX/XXXX I contacted XXXX over the phone for an update and they said that they removed the offer from my account in error and that with the case being open theres nothing they could do as there was no other update at that time. Ive contacted XXXX 2 more times since and I keep being given the constant run-around, agents regurgitating the same message that case is still being reviewed every time Ive contacted support since. A supervisor I spoke to last time said that the bonus would be credited manually but that there is no timetable for that. XXXX has failed to meet the terms of the signup offer for my XXXX savings account and at this point I dont know what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: WI
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:
FIRST PREMIER BANK is reporting late payments while in active XXXX  XXXX bankruptcy. The bank received notification by mail XX/XX/23. 

The bank is violating my automatic stay federal rights and also improper use of credit reporting.

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 2020-08-17
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
I bought from XXXX an XXXX XXXX in XXXX, and they a mistake by sending five boxes instead of one. I returned all the boxes to XXXX, and XXXX credited my account with Discover Card which was charged. Discover card did not acknowledge the credit and they still are charging me with the price since that date until today. The amount is increasing over time for their charges. The charge today is {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and you reported you confirmed the account as valid with a copy of a BILL STATEMENT. I asked for VALIDATION. I do not believe we have any relationship with this collection agency. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt VALIDATION not VERIFICATION, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We sold our house in XX/XX/2022 ( 13 months ago ) and have been fighting with Santander bank to get back our escrow money. Every month they need a new form completed or something else done to supposedly mail us the refund of our escrow. They have an excuse every month why they didn't us our money. The mortgage was paid in full - there is no reason to hold our money for over a year.

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 2022-12-19
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:
For the last several months ( starting XX/XX/XXXX ) I've sent XXXX and TransUnion numerous correspondence outlining the fact that I was a victim of identity theft. Within my letters, I provided XXXX and TransUnion with detailed descriptions of various unauthorized transactions by third parties pretending to be me. 

Specifically, within the letters, I disputed the false and derogatory information that was improperly reported on my credit reports as a result of his identity theft. In addition, I provided all documents requested by XXXX and TransUnion to prove my claim of identity theft such as multiple police reports, FTC ID Theft affidavits, etc. 

Despite this, in response to all of my prior communications, XXXX and TransUnion have failed to take the appropriate action to remove these illegal and improper entries from my credit report, in clear violation of the Fair Credit Report Act ( FCRA ). XXXX and TransUnion have impeded all of my prior efforts by asking for duplicates of documents and reports, which had already been produced, multiple times. It is clear from XXXX and TransUnion conduct that it's not their intention to comply with its obligations under the FCRA. 

I have asked ( demanded ) multiple times that XXXX and TransUnion remove the aforementioned entries. To date ( XX/XX/XXXX ) they all still appear on my Credit Report. This is having a detrimental effect on my ability to get credit, apply for financing, etc. As such, immediate action was required to be taken by XXXX and TransUnion to remedy this. 

The Fair Credit Reporting Act ( FCRA ) provides mandates that all credit reporting agencies and bureaus must comply with. Specifically, 15 U.S.C. 1681c-2 states : ( a ) Block : Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the 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 non-monetary relief
Consumer complaint received 2023-07-25
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: Account status incorrect

Complaint:
I asked XXXX XXXX to remove my late payments since the loan was paid off XXXX XXXX2023 XXXXXXXX XXXX has 15 late fees I paid off when I paid the balance in full XX/XX/ 2023. XXXX XXXX said they can not remove the 15 lates fees which were not my fault. I asking for Experion, XXXX and XXXX to remove the late fess. I am trying to buy a house and the late fee changes are hurting me. Please help 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 explanation
Consumer complaint received 2020-08-17
Company: RIGHT START MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2020 To Whom It May Concern, I have a refinance with Right Start Mortgage. When I got the refinance in XX/XX/2020, it was to pay off a solar panel loan that was attached to my taxes. I was told that the taxes would be reset to the original amount when the loan was funded. The taxes with the solar panels on was {$4600.00} and without them it should be around {$2400.00} a year. Then I got a reassessment for my escrow account in XX/XX/2020 that showed the old tax amount. Right Start Mortgage did not change the tax amount and is not trying to get almost {$300.00} a month more, which I can not afford. I was struggling to pay the payment before this excessive increase due to Covid-19 which caused me to have less hours at work. I contacted Right Start about the reassessment being incorrect and they said they could not change it until they received a tax bill from the assessors office. Why did the broker promise me that he would reset the taxes, when it looks like they could not do that in the first place? I feel it was a bait and switch to get me to go through with the refinance. I informed the representative at Right Start Mortgage Loss Mitigation that I would need to be put on the forbearance plan because they  messed up my loan and I could not afford the new payment amount. I was told on XX/XX/2020 when I contacted them that I would be put back on the plan. I thought things were going as they said. So I waited to get the packet they were suppose to send. I didnt receive it as of XX/XX/2020, so I called on XX/XX/2020 and the representative informed me I had been in a forbearance plan and it ended XX/XX/2020. I asked her how could my forbearance be ending date of XX/XX/2020 when I had requested to be put back on the forbearance plan in XXXX. The Right Start representative stated that she saw that I had called in XX/XX/2020 and that they were suppose to set me up for the forbearance and did not complete it. So on XX/XX/2020 that Right Start representative stated that she will get me back into the forbearance plan so that I would not get penalized for not being able to make the XXXX payment. On XX/XX/2020 I received a letter stating that I had recently informed them of my hardship due to Covid-19 and requested a forbearance plan. It states that I should have received a forbearance agreement. I did not receive and agreement and no one has called. I called on XX/XX/2020 and was informed that the payments have been suspended for the months of XX/XX/2020, XX/XX/2020 and XX/XX/2020. I need to have my taxes reassessed to the correct amount for the mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX Account has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a consumer account under an open end consumer credit plan as late for any purpose. 

This creditor 's XXXX XXXX XXXX account XXXX XXXX XXXX is not mines and I never had a account with this creditor. 

Kindly take this misleading creditor account item out of my credit file as it isn't me. Please And 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 explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: VA
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-12-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize or consent to these hard inquiries on my consumer report. Nor did I give Equifax permission to make a report on my behalf. Please remove the following accounts thats in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: NY
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 submitting this CFPB complaint to formally dispute the accuracy of the information contained in my credit report, specifically regarding the account information associated with XXXX. After reviewing my credit report, I have discovered several inaccuracies that require immediate attention and correction. The discrepancies I would like to address pertain to the following details associated with the account : XXXX XXXX : According to my credit report, the payment status of the account is reported as " late. '' However, I have always made my payments to XXXX  on time. It is highly misleading and damaging to my credit history to have inaccurate late payment information reported. Please investigate and correct the account : XXXX XXXX Balance : {$270.00}. I would appreciate the Credit Bureaus ' immediate attention to this matter, as it is of utmost importance to me. It is crucial that the Credit Bureaus adjust the late payments from this account to reflect the accurate payment history that I have maintained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: GOLDEN 1 CREDIT UNION, THE
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019, I made my last payment before trading my truck into XXXX XXXX on XX/XX/2019. One month later, Golden 1 Credit Union started harassing me about missing my payment. Then they reported me 30 days late on my payment then 60 days late on my payment. I gave them all of my documents and even contacted XXXX XXXX XXXX Department to have them write a letter to Golden 1 Credit Union, XXXX, and XXXX. XXXX has closed my dispute 3 times and I have had to reopen it every time. XXXX has always sided with Golden 1 Credit Union even when the information was false. I spoke with my bank XXXX XXXX XXXX XXXX and XXXX has spoke with XXXX in XX/XX/XXXX and explaining that no payment has been returned from any truck payment. Golden 1 Credit Union failed to get back in-touch with me until XX/XX/2019. I contacted my bank numerous times and the answer has remained the same. Today however, I found out that on XX/XX/2019 Golden 1 Credit Union finally cashed the EFT funds that was paid on XX/XX/2019. My online bill pay service confirmed that information. 
I have been harassed, ridiculed and have had this business destroy my credit without just cause.

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 2018-04-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have faced difficulties and obstacles as I approached the end of XXXX rehabilitation program. XXXX terminated my ability to pay online when only three payments remained. XXXX delayed and required impossible criteria to settle this debt. These practices promote financial hardship and prevent me from securing some of the benefits that are intended to ease the burden of financial difficulty. 

Fraud Civil Code 1572 ( 4 ), 1577 ( 1 ) XXXX altered the contract by changing the wording and dates without my knowledge. 

Defamation Fair Credit Reporting Act ( FCRA ) Accuracy of Report [ 15 U.S.C. 1681e ] ( b ),  Responsibilities of Furnishers of Information to Consumer Reporting Agencies [ 15 U.S.C. 1681s-2 ] ( a ), 1 ( A ), ( B ) ( ii ), ( D ) XXXX XXXX XXXX XXXX XXXX XXXX, contracts with Navient, which XXXX is a subsidiary, is reporting false information to the consumer-reporting agencies, XXXX  and XXXX. This prevents my ability to improve my financial standing.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: MA
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 writing to file a formal complaint against Experian in regards to inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to dispute certain information that I believe is erroneous. Despite the passage of time, I have not received any response or resolution from Experian. The following are the details of the disputed account and the required correction : Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$31000.00} The account with XXXX XXXX XXXX was never late, and I insist that Experian immediately removes the late payment status associated with this account from my credit report.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief