BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: Mortgage Research Center, LLC
State: AL
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:
Veterans United Home loans have issued my VA loan and the VA XXXX XXXX also have given up my entire service record and secures a loan I did not even see or sign. I previously changed my information because it was a person I know I know find it not fair to me that because of these entities failure to confirm the home loan I would not have been penalized for it by dropping my score due to the privacy act violation of the VA and I along with my kids have been terribly affected by the lack of due diligence and I want my score to reflect my history before my information was given and accepted by someone who had my information and I was then locked out of my own accounts

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 2023-09-25
Company: Experian Information Solutions Inc.
State: IL
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 kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2022-05-01
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2022, I sent a letter to XXXX and Experian regarding inaccurate data points on both credit reports from the same company, XXXXXXXX XXXX. With XXXX, XXXXXXXX XXXX is reported as a 'charge-off ', which hasn't been proven to be my account. With Experian, XXXX XXXX is reporting as 'Closed ' for the same account in question. 
I feel like I'm being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) in Consumer Protection Act states that it is plainly stated as a failure to investigate said items within 30 days gives a reason to immediately remove them from my credit report ( s ). It has been 60 days to the day.

I demand that these accounts be deleted immediately or I will file for litigation as well as a thorough complaint to my Attorney General, Federal Trade Commission, and the XXXX XXXX XXXX due to the stress caused to me for this extended inconvenience.

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 2023-06-30
Company: GOLDMAN SACHS BANK USA
State: MN
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:
Hello CFPB, I hope you are doing well. 

I would like to file a complaint with my Apple credit card ( Goldman Sachs ) that I recently opened up a few months ago. I received a notice on my account today that my account is restricted and was told to reach out to support for questions or more information. I reached out right away and was not helped whatsoever with my account being in lingo. By far a bad experience for not having an answer and being told to wait until somebody reaches out to my via email. I had done my homework and reached out to users who have had problems exactly like mine and was told to file a complaint. So here I am. I would like to know why my account is not able to spend money. I make my monthly payments and was not over my limit. Please help. 


Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
In accordance with the fair credit reporting act XXXX account Jefferson capital system. Has violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-30
Company: CITIBANK, N.A.
State: VT
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:
On the month of XX/XX/2023, there were several fraudlent charges on my Citi Bank Credit Card, which I have informed my bank and the bank is not accepting my dispute, instead the bank is saying that I owe them money. I have reported the bank about all the disputes as soon as I have reveived my statment and they mentioned that they will remove all the charges and my balance was negative ( - {$20.00} ). And now they have put on all the charges back to my account. 

As I told my credit card company that I don't recognise the charges and I want to dispute all of them, still they are not helping me on this matter and they have sent a bill of {$3800.00}.

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 monetary relief
Consumer complaint received 2023-03-21
Company: Compass Recovery Group, LLC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Called me in regard to a family member. Giving me personal information and information on voicemail in regard to the loan. I am not the only relative who has been contacted. Also harassing the relative on the paperwork constantly. Multiple voicemails have been left to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX military and lived in South Carolina in XXXX I moved out of South Carolina in XXXX of XXXX and out of my apartment complex. I had given a copy of my written military orders to the company showing that I was leaving the area on a military XXXX. I then had to go on XXXX at the beginning of XXXX until the end of XXXX. in XXXX I was contacted saying that I was overdue by 6 months on an electric bill. I had not lived in this location for any period of the time they had stated, and I was never contacted about a bill that was missed for this period. Only time I was made aware of this was when I checked my credit report and saw a large drop in credit. I had contacted the company about trying to resolve this issue and they agreed that this was an issue and should not have been reported as a debt. I am now receiving calls from a creditor asking to pay this amount and it is still on my credit report as an unpaid debt.

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 2020-05-19
Company: OPORTUN FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
Opportunity illegally pulled my credit XX/XX/2020 causing significant damage to my credit profile. Additionally they have no authorization for this hard pull. I requested this inquiry to be removed and as of today I pulled a copy of my XXXX report and Oportun inquiry is still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: ALLY FINANCIAL INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Customer contacted Ally Bank around XX/XX/XXXX to dispute late charges to auto loan. Customer has court documentation that states " husband shall be awarded vehicle subject to the indebtedness thereon and shall hold Wife harmless therefrom ''. Husband did not refinance vehicle to remove customer from the auto loan. He also did not make the required auto loan payment in XXXX ; therefore customer 's credit score dropped XXXX points and can no longer receive any type of loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was a PayPal synchrony debt which i paid and settled a while back, this was then handled ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy This account is settled. 
This account is not a collection or charge-off. 

I have repeatedly told them to show me statements as the collection is invalid and also mailed them i dispute this but they have not provided any evidence XXXX XXXX need to delete this dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received money thru cash app from someone I know I sent the money to my XXXX XXXX checking account. The next morning in my XXXX account it said reversed. I confirmed with XXXX XXXX that it was reversed. The next day it shows that the money did post to my account but in between all that XXXX XXXX told me to dispute the money. They didnt tell me that dispute means theyd deduct the money from this person account. I figured they would research why it said reversed if it wasnt. So when I told them to close the dispute theyd already reached out to cashapp who then deducted {$300.00} back out of this person account. Long story short I cancelled the dispute XXXX deducted the {$300.00} out of my account and have sent this info to cashapp who say they never received notification that the dispute was cancelled. Ive called 1000 times Ive chat with them online which is useless Ive spoken with XXXX numerous times snd they sent a letter confirming the dispute was closed. Ive sent this letter to cash app 3 times and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX and 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

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 2020-09-02
Company: Experian Information Solutions 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:
There are some accounts in my credit that are not mine. I filed an identity theft claim attached.

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 2021-07-18
Company: Strategic Alliances, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I received mail from First Financial Asset MGMT, Inc ( FFAM ) for an alleged debt owed to XXXX XXXX XXXX, XXXX FL office from XX/XX/XXXX rental total of {$400.00}. I contacted XXXX as any rental I made from them was paid at the time of the vehicle 's return to the company. XXXX location did not find any owed debt in their system and calls to their XXXX # yield no results. 

On XX/XX/XXXX, I received another collection letter from FFAM on behalf of XXXX stating I owed funds from a rental in XXXX, FL. On XX/XX/XXXX, I sent both XXXX and FFAM proof that I paid the rental charges and charges for future dates ( as they required I pay in advance for a few extra days ) to the XXXX, FL office on XX/XX/XXXX. At the end of the rental, I return the vehicle/closing out the rental at their XXXX XXXX office in XXXX, FL. The rental was returned in person to an XXXX associate, not a night drop. I was already paid up so no more payments were needed. 

On XX/XX/XXXX, I received another debit collection from FFAM with a copy of the original bill XXXX rental, completely ignoring the fact that I have provided written proof that the payment was paid to XXXX XXXX, FL location in XXXX. 

It seems there is an issue with XXXX XXXX and their XXXX, FL recording keeping, however, FFAM has proof of payment and has completely ignoring this proof and instead is continuing to harass me on behalf of XXXX. This process has caused me stress and time on an already paid debt. 

I am filing this complaint in hopes to have this stopped and FFAM and XXXX clear their records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 non-monetary relief
Consumer complaint received 2021-07-26
Company: Caliber Home Loans, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
NOTICE IS HEREBY GIVEN that an action has been commenced and now pending in this court upon Complaint of the above-named Plaintiff against the above-named Defendant ( s ) for the problem is a predatory and fraudulent loan perpetrated against the XXXX XXXX ( Plaintiffs ) by Caliber Home Loans, INC. ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; ( Defendants ) including GRAND THEFT OF MONIES PREPAID IN AMOUNTS OF {$52000.00}, and {$2000.00} via cashiers check in good faith but which amounts were swindled by defendants with the use of material misrepresentations, fraudulent disclosures, and by other fraudulent and deceptive instruments used to unlawfully inflated a purported mortgage loan to astronomical and deceptive amounts inconsistent with law and the initial agreement. There is a further breach of contract issue for failure to deliver the home bargained for. I have two different HUD1 disclosures. They charged me closing cost twice. I have all the email and documents. The closing attorney provided false discloses. There several of breach of contract. The builder shorted us 66 square feet of the house that picked for the floor plan. I asked for a QWR. When I received it the company told me they could speak to me about my account. They short the loan so fast that we have two different payoff balance. They can't even produce the note. Plus, the Seller didn't pay closing cost. On the contract under financing the Seller stated Purchaser is responsible for all closing fees. The loan was {$190000.00} and added closing cost in the loan making the total {$200000.00}. Plus I was suppose to pay 3 % down because they stated We qualified for conventional loan, but they stated I had to bring over {$50000.00} XXXX dollars. I have all email and the attorney they South Carolina Consumer Affairs a different hud from closing so I glad he did that so I have two different huds. 
1 ) Predatory Lending 2 ) Fraud 3 ) Breach of Contract 4 ) FEDERAL EQUAL CREDIT OPPORTUNITY ACT 5 ) RIGHT TO CHOOSE CLOSING AGENT/ATTORNEY 6 ) FAIR CREDIT REPORTING DISCLOSURE 7 ) Right To Choose Closing Agent/ Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Email : XXXX Date : XX/XX/2023 15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-25
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a debt on my credit report from i c system inc, for a XXXX XXXX bill, this is my XXXX time disputing this account and getting it removed only to be resold to another company. The first time this account posted by collection, i contacted XXXX XXXX, and through there investigation the concluded that this was a fraudulent acccount

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 2020-06-30
Company: Security Credit Services, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the month of XXXX, I called the creditor XXXX to request a proof of balance, a contract that would make me liable for the debt, and as well as a 1099 for the balance. This was asked to validate the debt they claimed I owed them. In regards to the information I requested, they were unable to provide with any documentation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Ive been in communications with TransUnion about inaccurate personal information on my credit report. Even after notifying them many times about this error they are reporting this incorrect information on my file. Not only is it unfair, its also illegal. Please find attached.

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