BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXXXXXX 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 XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2019-12-17
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: Public record information inaccurate

Complaint:
I asked for TransUnion And XXXX  to do an independent investigation and they didn't. Because of this, I have re-sent my previous dispute letter with the one that was mailed out mid of the year and I need for this to remove or delete per my original request. These do not comply with FCRA regulations. 
I need to see the paperwork that shows how these were investigated. I also need to see where this information originated from because I've provided direct facts from the credit report. These facts can not be refuted! How can they state that they are accurate when I've clearly pointed out exactly why they can not report? 

XXXX I need to see the proof that I was ever late or this needs to be updated XXXX this is still reporting with an inaccurate court name and this is now in violation of section 1681, 609 and 603.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: NY
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Date Opened XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2022-06-14
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XX/XX/XXXX, i when to XXXX to purchase a shoes for me and my fianc for her birthday. I first went on the website to schedule an appointment. Once I got to the XXXX store in XXXX XXXX XXXX XXXX I was greeted by the hostess. We went inside and looked around before choosing a shoes. After we chose the shoes I asked for a size 9, the lady told me get a size 8 because XXXX shoes run big, Ive never worn or purchased a XXXX shoes so I took her suggestions. We cashed out and i drove straight home. When I got home, I tried on the shoes with a pair of socks then I can feel my little toes getting a strangled and they started hurting. The shoes was extremely tight and uncomfortable. I put them back in the box and took them back to the store the next day ( XX/XX/XXXX ). When I got to the store, I wasnt greeted and people that was there the day before was not the same people. Some seems strange. Anyways, I walk over to the cashier and told the gentleman that I would like to return these shoes because they do not fit and its uncomfortable. He looked at me in a scornful way and said because of XXXX policy, we cant accept them back. For a second I thought he was joking. So I hand him the shoes and he said we cant accept that. I started getting extremely frustrated and angry because that sounds like a bag of XXXX. I told him that if hes not going to take the shoes that I will dispute the items with my bank. He said go ahead with a rude attitude. While I was in the store I contacted APPLE CARD and explained the whole situation and they initiated a dispute. The dispute was resolved in the merchant favor and they did not provide any information regarding my interaction with XXXX and what happen in store when I tried to return the shoes. Every month since XX/XX/XXXX, APPLE just keep on initiating a dispute which always come back in favor of the merchant. This has cost me anxiety and stress. Im losing sleep because of this. The last dispute was initiated back in XX/XX/XXXX. Again, Apple in favor of merchant. Apple asking for me that they need A second opinion from a qualified third party of the quality of the work performed by the merchant. For example, a qualified third party can be an independent autobody shop evaluating the work performed by a dealership mechanic what does this have to do with a dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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'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 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 2023-09-12
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and XXXX other fraud has been committed under my name. XXXX and XXXX have already removed this item from my report so Im asking for XXXX to remove this item immediately Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions. 15 U.S.C 6501-15 U.S.C 6505. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: LA
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:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Waypoint Resource Group, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was contacted at XXXX from a XXXX XXXX in regards to a claim about to filed against me. My mother was also contacted and left the same exact voicemail, but XXXX stated they were looking for me. The voicemail is attached below. When I called the company, Waypoint, I spoke with XXXX and asked for debt validation and their purchases agreement, she told me I would have to contact the original loaner. She told me I would end up having to pay close to {$5000.00} but they would settle for {$1800.00} and a {$500.00} payment today. I asked XXXX if this was a debt collection agency and she stated no, i asked if it was a law firm and she stated no. She told me their company just mediated payment between the original loaner and the consumer. Everything sounded fishy so I contacted a lawyer who confirmed my suspensions.

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 2023-02-20
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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:
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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Upgrade, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a loan with Upgrade. I made my payment on the due date XX/XX/XXXX. The payment was above the regular payment amount. Upgrade insists that I am past due. However, when I made the payment, their user platform does not distinguish between a regular payment versus a principal payment. So, I entered the amount along with additional funds. They continue to argue with me. I have screenshots, there are call recordings ( XX/XX/XXXX @ XXXX PM XXXX ), and I have emails demonstrating my efforts to correct the matter. To no avail, have they not corrected the payment application and I continue to show past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: ALASKA USA FEDERAL CREDIT UNION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023, I sent a notarized Billing Error Notice to AlaskaUSA FCU 'S registered agent via USPS certified mail with a Domestic Return Receipt. AlaskaUSA FCU 'S registered agent received the Billing Error Notice on XX/XX/2023. 

I also sent a copy of the Billing Error Notice to AlaskaUSA FCU 'S XXXX XXXX XXXX and AlaskaUSA FCU Payment Processing via XXXX XXXX mail on XX/XX/2023, and XX/XX/2023. Those Notices were delivered to and received on XX/XX/2023, and XX/XX/2023. 

I am aware that AlaskaUSA FCU shall follow the following procedures as defined in 12CFR 1026.13 ( e ) ( 1 ) Correct the billing error and credit the consumer account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or delivery a correction notice to the consumer.

I am also aware that " the creditor may not collect any disputed amount. The creditor can not restrict, accelerate payment or close an account and or make or threaten adverse reporting to any person about the consumers credit standing without resolving the billing error. '' Lastly, AlaskaUSA FCU has not responded with a rebuttal, point for point, which forfeits AlaskaUSA FCU 'S right to collect the disputed amount as described in 15 USC 1666 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt was original owed in XXXX. If this company was following the church status of limitation law the debt would be unable to be collected on as of this year however Enhanced recovery company has removed and put it back on my credit report several times as a new debt the most recent showing opened XX/XX/XXXX for a balance of over {$2800.00}. The originally balance was less than {$1500.00} on cell phone equipment and a bill. I have never recieved company showing valuation of the debt nor the difference of the increase of the debt they now at that i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I logged onto my Bank of America app to see my balance had changed dramatically. My savings account had {$9300.00} available the last time I was logged on. On XX/XX/XXXX there was only {$3300.00} available. I had {$5900.00} dollars stolen from me in XXXX days. I then got into contact with BOA and they told me they would look into it. Most of the transactions were through XXXX to a person I dont even know however I have her number from her being added to my XXXX contacts. There was also money withdrawals from an BOA atm when I had my card. BOA denied my refund leaving me in a horrible position. They can see that this person was added and all this money was sent with NO communication with me. They also stated it was NOT me at the ATM yet im still responsible. They also informed me that it was a male and he was on the phone and somehow that means I authorized it. I stated they could check my phone but they didnt care. I am a hard working college student and this HURT. BOA is a millionaire dollar company that will not return my {$5900.00} that I worked HARD for. I had been a valued customer for 5 years yet they did nothing about this incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: MD
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:
An individual fraudulently opened a XXXX XXXX XXXX credit card under my identity using a different address. The balance on the fraudulent account has now reached {$33000.00} with a charge off status, causing my credit score to drop by over 200 points and completely ruining my previously impeccable credit history. Despite my efforts to have this fraudulent account removed from my credit report, my requests for justice have been ignored by Experian and XXXX. I sent certified mails to the credit bureaus, but did not receive any response. There's no evidence of investigation. This fraudulent account still stays on my credit report as I am submitting this report. 

I activated a fraud alert on my credit files, filed an identity theft report on the Federal Trade Commission website, and also filed a police report with the local police department. This is my first time dealing with identity theft and I never thought that removing fraudulent accounts would be such a difficult process for the victim. It's important that we address this serious issue, as many people 's lives are being destroyed by a system that doesn't seem to be working in their favor.

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