BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Theres a fraud alert on my XXXX XXXX, XXXX and Equifax credit report. Banks, credit unions, financial institutions and companies can not verify my identity through XXXX XXXX, XXXX or Equifax because of the fraud alert on my XXXX XXXX, XXXX and Equifax credit report. Furthermore, more I want to Opt-In and receive pre-approved credit offers by mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CBC Companies, Inc.
State: OH
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:
6. I have not received any confirmation on how you verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ****

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Express Recovery Services, 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:
Express Recovery is reporting erroneous debts on my credit file. I checked my credit and noticed this debt. I never received a call text or notice about this debt and that violates my 30 day right to dispute I called and paid these accounts immediately and tried to work with them to get this debt removed from my credit file and they would not budge. This is ridiculous. If I would of know if the debt I would have paid it immediately. I was never made aware of this debt and that is Express Recovery 's fault. They should of sent me a letter or at least called to let me know of this debt instead of adding it to my credit file. This account needs to be removed from my credit file. I do not owe that debt and they have violated my 30 day right to dispute. The least they can do is remove this debt after ruining my credit without warning.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXXXXXX XXXX has placed information on my credit file. They will not accept the fact that I no longer am interested in their product. I have no legal obligation to continue to pay for something I do not use and do not own. I have contacted them on several occasions and they refuse to close my account and leave me alone. I just want inaccurate data removed from my credit file. They report to bureaus as a mortgage but refuse to provide proof of said mortgage. 

Credit bureaus are just allowing anyone with access to put data on consumer credit reports. XXXX is not looking at documents or disputed reasons. They just send a computer message and accept the response. TransUnion also allows them to rubber stamp false inaccurate data on 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 2023-06-23
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in 2018 from Greensky XXXX XXXX ) their address is : XXXX XXXX XXXX XXXX, GA XXXX the letter stated I have a Loan approved for XXXX to make purchases for improvements/ constructions, this was a result of theft identity. One week later I received the same letter with my daughter 's name ( XXXX XXXX ) for the same amount {$65000.00} loan approved by Greensky XXXX XXXX 
The bank was informed of this theft identity via phone, via mail and via email but they ignored me. The money was used by a criminal organization that used to get loans from victims like me and my daughter under the excuse of a solar systems project and construction. The criminal organization never performed any constructions at my premise. The criminals used this money on my behalf and my daughter 's. I let Greensky knows that I reported to police and there was a court case processing again this persons/criminals. there were around XXXX families around my neigboor with the same situation. 
For more than 6 years me and my daughter 's credit has being damaged and no other financial institutions trusted usto approve any loan or credit card due to this debt collections for more than 6 years We had this problem going on. We never requested this loan, Greensky released the money to criminal persons and they were informed that my identity was stolen ( I mailed letters couple times and I emailed them to XXXX ). The bank received notification from me and reports from police, court records and never help me to clear this matter. The case is open in XXXX XXXX XXXX and I provided Greensky with the police report, But they never removed the debt under my name and keep contacting me to pay for the debt. Every day debts calls to us 24/7 I keep repeating myself about the theft identity issue an I asked Greensky no to charge my bank account account, but Greensky XXXX  processed payments from my bank account. 
This a chain of criminals taking advantage from people like me and my daughter. I found about XXXX families with the same situation around my neighbors I got XXXX  and XXXX due to the actions and the treat calls I received every day from Greensky XXXX XXXX 
I can provided proof of this information but to a private email from consumer affair I do not want to release private documents with my information on it. my email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
State: PA
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:
My File number is XXXX To whom this may concern, Trying to read all my credit reports and scores from the credit reports. XXXX, XXXX And Equitax. The page kept saying inactive status and needs to close. Not the word for word on how error was given. Time out. I didn't even get a chance to go over everything in all 3 Reporters plus the Annual credit report. 
Not given the chance to dispute all the Incorrect information I did see. Many investigations on existing very old problems nurmgouse dates already done. Imporoper use of my reports shared without my consent. Credit inquiries from unknown sources more than once without my permission. Many unknown collectors I haven't a clue what they are. Wrong addresses and phone numbers in my credit reports as well as places of employment I have never worked for. Many Consumer reporting agencies reported outdated negative information as well. 
It's a wonderful anyone would give me credit! Very disappointed and extremely upset my credit reports of what I did see was a complete mess! 
I do have a right to read all of it and try and fix it as much as possible and get it more presentable for when my report is looked at that perhaps I got a better chance without someone else 's stuff on it. 
Inaccurate information put on my credit report as done has cost me a lot more than realized. These reporting agencies are crazy mad it seems Please if someone could possibly get back to me ASAP it  would be so appreciated. 
Thanks so much! 
I will be writing/calling XXXX Consumer Relations regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX I filled out an card application via web link https : XXXX? XXXX & XXXX : XXXX & XXXX & XXXX & XXXX for the CITI SIMPLICITY CARD which is offering 0 % XXXX on purchase for 12 months, 0 % XXXX on balance transfers for 21 months with a balance transfer fee of 3 % or {$5.00} minimum ( for the 1st 4 months ) ... ... ... I then clicked on the link to fill out the application for this same card https : //online.citi.com/US/ag/cards/application? XXXX & XXXX : XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX XXXX XXXX as you can see when checking these links there is no mention or option for the CITI DIAMOND PREFERRED card nor did I apply for this card ... XXXXwhen my application was processed to my surprise I received an email congratulating me on being approved for the DIAMOND card ... ... after seeing the fee for balance transfers on the DIAMOND card was 5 % instead if 3 % I called to explain there was an mistake made by CITI and that I did not agree to different terms ... XXXXthey insisted I did and advised there was nothing they could do to change the terms so now I am reaching out to you for help I don't have and did not use any other link so there must be an error on their website/system causing the issue

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 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
A COUPLE YEARS BACK I SENT A LETTER TO THE CEO OF TRANSUNION CREDIT BUREAU. SINCE THAT TIME THIS AGENCY HAS FAILED TO LET ME KNOW OF BREACHES TO MY ACCOUNTS AND HAS INCORRECT PAYMENT INFORMATION ON PAYMENTS MADE TO MY ACCOUNTS. THIS SEEMS TO ME TO BE A PERSONAL VENDETTA AGAINST ME AND MY CREDIT. THEY HAVE FAILED TO ALLOW ME TO BUILD MY CREDIT BECAUSE THEY HAVE INCORRECT INFORMATION AND APPARENTLY THERE HAVE BEEN BREACHES TO MY ACCOUNT THAT NO ONE TOLD ME ABOUT. IF THIS CREDIT BUREAU IS SUPPOSED TO DETERMINE PEOPLES CREDIT RATINGS AND THEY XXXX UP INFORMATION AND DO NOT RECOGNIZE BREACHES TO PEOPLES ACCOUNTS THEN WHAT THE XXXX ARE THEY GOOD FOR? 

I HAVE LOOKED FOR THAT LETTER TO THE CEO AND EVEN THOUGH I HAVE EVERY LETTER BACK TO XX/XX/XXXX, I CAN NOT FIND THE LETTER I SENT TO THE CEO OF TRANSUNION. 

WHEN YOU CALL THESE PEOPLE THEY ARE ABSOLUTELY CLUELESS AND THIS HAS BEEN GOING ON SINCE THE DATE OF THE LETTER WHICH WAS BACK IN XX/XX/XXXX. THERE ARE ACCOUNTS SUCH AS MY XXXX XXXX ACCOUNT, XXXX XXXX ACCOUNT, MY PERSONAL ACCOUNT WITH XXXX XXXX XXXX WHICH IS MY BANK AND MORE AND ALL OF THE PAYMENTS ARE LESS THAN WHAT IS ALLOWED AS EVEN A MINIMUM PAYMENT AND I DO NOT WANT TO CONTACT THEM BECAUSE THEY ARE INCOMPETENT AND JUST RECENTLY MY SCORE DROPPED CONSIDERABLE WITH NO EXPLANATION WHAT SO EVER AND THAT IS OUTRAGEOUS. I WANT THIS COMPANY INVESTIGATED BECAUSE I AM SURE I AM NOT THE ONLY ONE THAT IS BEING EFFECTED. 

WHOEVER IS RUNNING TRANSUNION THEY ARE INCOMPETENT AND THEN THROUGH XXXX XXXX I FOUND OUT THERE WAS A BREACH FROM COMPANIES I HAVE NEVER DONE BUSINESS WITH AND ALSO CREDIT CHECKS FROM COMPANIES THAT I HAVE NO IDEA WHO THEY ARE. 

IF MY IDENTITY HAS BEEN HACKED, THEN TRANSUNION HAS DONE NOTHING OR NEITHER HAVE THE OTHER COMPANIES THAT CONTROL CREDIT FRAUD. TRANSUNION IS CONTROLLING WHAT THE OTHER AGENCIES IN MY CASE ARE OFFERING ME AS A SCORE. I AM SICK AND TIRED OF THIS ABUSE AND I THINK WITH THE ADMINISTRATION WE HAVE THAT THIS CREDIT BUREAU SPECIFICALLY IS NOT DOING THEIR JOBS AND NOT TELLING PEOPLE WHY THEIR SCORES DROP AND HAVE MANY MANY INCORRECT PAYMENTS AND I WANT THIS CHECKED INTO AND THE CEO RUNNING IT SHOULD ALSO BE INVESTIGATED AS SINCE MY LETTER TO HIM, I HAVE HAD NOTHING BUT TROUBLE. 

I WANT TO KNOW IF MY ACCOUNT HAS BEEN HACKED AND THESE IDIOTS HAVE NO IDEA. AND THEY DO NOT CARE. I THINK REGULATIONS SHOULD BE PUT ON THEM AS THEY ARE EFFECTING PEOPLE WITH NO EXPLANATIONS AND MOST OF THE TIME DO NOT EVEN ANSWER THE PHONE OR HAVE A PHONE NUMBER PUBLISHED. WHAT ARE THEY HIDING? 

PLEASE INFORM THEM THAT I WANT EXPLANATIONS WHEN THEY XXXX WITH MY CREDIT SCORE WITH NO EVIDENCE AT ALL.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-08-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a signed and notarized Loan Modification agreement with XXXX on Monday, XX/XX/XXXX at 3.125 % interest rate on a 30-year fixed FHA loan XXXX I made a full initial payment on XX/XX/XXXX. This was the first due date of my new loan. Then XXXX said they did not submit the correct paperwork to New York State for my loan modification, therefore I would have to sign and notarize another loan modification, but now at a 4.25 % interest rate since the Federal Reserve had been increasing interest rates between XXXX and XXXX. I now pay {$120.00} more each month due to no fault of my own which is {$43000.00} ( = 30 years * XXXX mos/yr * {$120.00} ) more I have to pay now over the next 30 years. On XX/XX/XXXX XXXX acknowledged that they received my 2nd set of signed and notarized documents for my Loan Modification and that it would take 30 calendar days for my account to reflect these changes. My account has still not been updated. Since they are dragging their feet to update my account, I can not make ACH automatic monthly withdrawals to pay my loan. I have had to call them each month since XXXX, my initial payment on my 2nd loan modification, to make a payment over the phone. I have called them countless times this year to speak them. Each time they assure me someone from XXXX will email me or call me to address these issues within XXXX business days. No one ever contacts me back. The whole reason I have had to do a loan modification is because I suspended my mortgage payments during the pandemic because I was laid off due to no fault of my own.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: OH
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2022-03-15
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 my bank paid out a huge sum of {$12000.00}. to a scammer without calling me to verify if this check was indeed made out by me. The check was originally cashed/deposited into the scammers bank ( XXXX  XXXX XXXX XXXX then XXXX collected funds from my bank ( NewYorkCommunityBank ) without issue! Ive banked with NYCB for 30 years. My history shows that I do not write checks for this amount. Certainly this was an unusual check. Certainly, the check was tampered looking, made out to some random woman for " school books '' and the date inserted was oddly written in and my " signature '' was TRACED and done poorly as the scammer kept tracing over the name several times! Many red flags which my bank never questioned. Other banks ( XXXX, XXXX and others ) which I and my family deal with will CALL us to VERIFY such questionable checks but my bank did not! During this time I was ill with XXXX and on strong medication, sick and unable to address my bank statement within those months. My bank now claims " no liability '' to me as they claim that I was " late '' in reporting such issue. I DID actually report this issue to my bank within 28 days of my statement as I hadnt begun restorative health until then! I state to NYCB that " Illness is NOT negligence ''. XXXX  is serious and XXXX. I reported the issue to my bank within the month that my statement came and I am a XXXX XXXX XXXX XXXX XXXX XXXX Bank defers their own egregious negligence to spotlight my inability to do " business as usual '' due to my disabling bout of XXXX. NYCB also irresponsibly " passes the buck '' and refers to XXXX  XXXX XXXX for my restoration, as if NYCB has no liability in this case, which is completely false. NYCB has stolen my retirement money as I am without a husband or children. I am a victim twice. Once from the scammer and now from my own bank. I request every penny be restored to my checking account in full. This issue is causing me great stress, no sleep or eating, XXXX and further deteriorating my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions 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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-04-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They are reporting that I was 30 days to only 2 of the three bureaus. I could not be late if I was on auto pay. They even refunded my late fees when they admitted it was there fault even told me they would fix the 30 day late and I got notification in my account today that I was lied to by XXXX. Very dishonest company. They also were supposed to send out a check for over payment and have been wait 45 days for that. They speak just lies. Do jot care about customer. Do not care about ethics.

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 2018-10-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX {$590.00} Collection agency has no contract ; no valid claim ... settled this with original creditor ( XXXX XXXX ) unlawful to attempt to collect a debt twice ... original creditor stated that your records may be outdated ... please remove erroneous account or litigation will follow ... I was told that no one verified this account ... and that XXXX verification that you utilize is faulty ...

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