BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-10
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple letter to XXXX, XXXX  and also to Midland Funding who say i owe them which i do not have any type of contract or agreement to pay them. I have tried to get them to verify the debt, but they could not do it and XXXX  and XXXX  say it is true, but XXXX has taken it off since they were not able to verify it. And i have sent them certificated letters tiring to verify it but the would not send it or i would have to call multiple times to get them to send me something which they was not going to if i didn't talk to a manager there. Also the amount that they say i owe them is different than what is on the credit reports. Along side that they did not send me any contracts they sent me a copy of a bill that is not mine since it is not made out to me unfortunately I am a XXXX and XXXX XXXX is my father who has passed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Im submitting a complaint against TransUnion regarding failure to investigate. Per the email I received from CFPB Headquarters I was advised to submit another complaint before Im scheduled for my walk in appointment next Wednesday in DC. I have submitted multiple disputes with TransUnion regarding this fraudulent account on my credit file. TransUnion has told me several times that they only rely on whatever the creditors tell them and dont investigate beyond that. I am a victim of identity theft and the fraudulent medical bill on my account does not belong to me. TransUnion has refused to conduct an investigation. They just update the date on my credit report and type in Meets FCRA requirements as an attempt to pretend like they are investigating. I have requested a contract with my signature on it and proof that this fraud medical bill belongs to me. They have not been able to provide me anything and continues to rely on the false information that they are getting from XXXX XXXX. The willful and intentional negligence has been ongoing and TransUnion has failed to follow FCRA guidelines. The XXXX XXXX XXXX response from Transunion specially says they rely on whatever the creditor says. Documentation sent via email along with everything that Ive been thru since becoming a victim of Identity theft and how Transunion has failed to correct the fraudulent information and willfully neglected to do their job.

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 2018-11-06
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/2012 I was a victim of fraud. I had my identity stolen and it was used to open school accounts to get loans. my IRS refund was stolen for years I have been dealing with my identity being used against me. please help me, Sincerely, 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 2023-04-14
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. I have been a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related to this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CREDIT COLLECTION SERVIC, CREDIT COLLECTION SERVIC to include the following hard inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: CHECK INTO CASH INC.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reference my CFPB complaint, ID # XXXX, to Check into Cash INC., submitted on XX/XX/XXXX ; and Check into Cash INC. response to this CFPB complaint on XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX reported a Delinquent Account in Collection, from Check into Cash INC., to all three Credit Reporting Agencies. The First Date of Delinquency for this Collection Account is showing as XX/XX/XXXX. In my above referenced CFPB complaint, I requested Validation of this Collection Account from the Original Creditor, which is Check into Cash INC . In their response, Check into Cash INC. stated that the Delinquent Account has been recalled from XXXX XXXX XXXX, XXXX XXXX XXXX ; and my outstanding balance is forgiven. They also Validated the First Date of Delinquency is on or before XX/XX/XXXX, which was when they FIRST sent this Delinquent Account into Collection. 

Per the FCRA, based on the XXXX XXXX XXXX XXXX XXXX, which is on or before XX/XX/XXXX, this Collection Account is over 7 years old, therefore TOO OLD to be on my Credit Reports. XXXX XXXX XXXX, XXXX XXXX XXXX should have never sent this Collection Account to the Credit Reporting Agencies. 

Since Check into Cash INC. is the Original Creditor, they should furnish all three Credit Reporting Agencies { XXXX XXXX XXXX XXXX  } with  the Validated Date of First Delinquency, which is on or before XX/XX/XXXX. Additionally, XXXX XXXX XXXX, XXXX XXXX XXXX, and/or Check into Cash INC. should have this Collection Account deleted from all three of my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: OneMain Finance Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. ONEMAIN FINANCIAL SERVIC Inquired on XX/XX/2019 XXXX Inquired on XX/XX/2019 XXXX XXXX Inquired on XX/XX/2019 But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: PNC Bank N.A.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has furnished inaccurate information on my credit report. The alleged debt is charged off and PNC never sent me my XXXX form. 


below attached is the proof of inaccurate information reporting on my account. 

They are also in violation of 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft and was reviewing my credit report this fall to check for accuracy. On XX/XX/XXXX I was denied an attempted to dispute an address on my credit report because XXXX debts that are not mine is reporting to this unknown address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
GOLDMAN SACHS AND CO Balance {$7200.00} Balance updated XXXX XXXX, 2023 I closed this account years ago and it was fraudulently changed to another person It was a GM card and I was never given any notice of the change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent yet another dispute to Transunion because these two accounts were reporting as the same account. These accounts had already been investigated and deleted by XXXX   as they were unable to be validated but Transunion continues to update and validate. I have requested Method of Verification in the past and not received results just another updated dispute, I have attached proof of the XXXX deletion as well as the last dispute letter. 
In XX/XX/2019 I received a response from XXXX   stating that the following account could not be verified nor validated, and it was immediately removed from my credit file : s XXXX/XXXX XXXX XXXX XXXX XXXX XXXX ( Same Account )

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 2020-07-30
Company: MoneyLion 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:
-I had a credit builder loan with MoneyLion -I paid the balance of the loan off as well as some fees they said I owed on XXXX XXXX -On XXXX XXXX MoneyLion updated my credit report as me having a balance. 
-On My other 2 credit reports the account information has not been updated in quite some time. 
-After I paid this loan off. I am unable to close account or delete my banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to switch my natural gas provider who does credit check with experian. So I request a temporary credit unfreeze via their website. It gives me a single-use PIN that does not work and my gas provider is not able to do a credit check. I tried to call them but it takes me thro an automated message system that does not help ; i tried their web site again and that does not help. Finally both methods ask me to mail the information with supporting documents via snail mail to some experian address. 

The web site or FAQ 's does not provide simple steps/information on how I can unfreeze my credit - and phone numbers take you thro ' a loop with a whole bunch of automated messages that are counter intuitive - at least it failed in my case. At least for such cases, I should have an option of getting it touch with some human being. 

The credit agencies should provide a simple straight forward process/procedures, either via web sites or a phone service with option to speak to a customer service representative to resolve issues promptly. If they can not do that, they should not be in the business of holding and managing consumer credit matters.

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 2020-12-11
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sold my home yesterday. I had been trying to reach Caliber Home Loans to ask about what payments are due before selling a home to avoid a credit ding. Their customer service line does not reach a person. The only options are 1. Make a payment through automated system 2. Listen to automated info 3. Call consumer advocate. 

When you follow the prompt for consumer advocacy, the message gives a new phone number to call. When you call that number, you're taken back through the same automated system. 

I tried calling multiple local branches that do not answer the phone. 

I sent an email through the customer portal and was given an automatic response to call the same customer advocate number. I filled out their promise for payment form and selected pending sale and received an error message. 

Because of all this, I missed one payment due to lack of info from Caliber, knowing I was selling my home. 

When we arrived at closing yesterday, the payoff provided from Caliber looked incorrect. It shows we owe Caliber money in escrow, which didn't sound right because the county is sending me a refund for overpayment of taxes. I'm happy to pay if accurate, but need proof that this amount is owed Caliber. I tried calling again, and finally reached someone at the branch who transferred me to a customer service rep. Customer service transferred me to the property tax department, who said they don't handle new payoff paperwork. They also said that they paid over {$5000.00} from my escrow for taxes, which would still be an overpayment by about {$1200.00}, as I just received my tax statement from the county yesterday. I was told customer service would have to do the new/corrected payoff sheet. I then got transferred back to the same customer service number that is impossible to reach a live person. 

I have tried multiple numbers, including branches/sales offices today to reach someone and have gotten mostly no answer. I finally reached one person at a branch who transferred me to a live rep who introduced herself on the phone and immediately put me on hold for 10 minutes before hanging up. I hadn't had a chance to say a word. 

Our title company is holding funds for us until this is worked out, but if I am not able to resolve Caliber 's failures by Monday, I will have a second missed payment rather than a paid off mortgage. I'm furious that I'm doing everything right and the mortgage company 's incompetence is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
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:
The company is XXXX XXXX XXXX XXXX n it was a auto loan on a XXXX XXXX XXXX. On XX/XX/XXXX it was totalled out in an accident n my insurance company paid off the vehicle ( XXXX XXXX XXXX ) I had gap insurance just in case n they would cover any balance if needed. We recently in last year find out that XXXX XXXX is saying there is a balance of XXXX n won't describe to use what the balance is but they are reporting to credit bureaus that the balance is XXXX dollars n they refuse to include manager of collection department, to correct balance. Me n my wife, XXXX XXXX XXXX both have disputed this n spoke to XXXX XXXX on several occasions n they say they will not correct nothing no matter what, they don't care, per quote! My wife discovered that XXXX XXXX never followed through with a form they n only they have and send it to the gap insurance so they could pay off the balance on vehicle on XX/XX/XXXX. So my wife contacted the dealer got form n got it sent to gap n they paid off what they owed on XX/XX/XXXX And know they still want more money for late fees, ( which is there fault to begin with ) and won't update credit report. Even with XXXX XXXX treating to sue because of the fair credit reporting act. They still refused to update all credit bureau 's on me n my wife. They our breaking the law n for 2 years plus made me n my wife look like we don't pay our auto loan. I would like this be known n want XXXX XXXX to update bureau 's all 3 on me n wife n show XXXX balance paid in full as off XX/XX/XXXX And stop XXXX honest people over. Thank you. Please help I'm ready to sue the XXXX  out of them.

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 2023-12-08
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony Bank ( Credit Credit ) lowered my credit limit. I did not ask them to. I was not late on my card payment. Card it almost paid off. They ran my credit again without asking and proceeded lower my credit score when i did not ask for increase or decrease. they said they ran my credit and reevaluated my credit limit from XXXX to XXXX i only owe XXXX on the card.

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 2023-12-08
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against Goldman Sachs Bank ( Apple Credit Card ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy B from the IRS/Goldman Sachs Bank ( Apple Credit Card ) , theyhas failed to update my account to reflect the paid-in-full status. 

This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting Goldman Sachs Bank ( Apple Credit Card ) directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that Goldman Sachs Bank ( Apple Credit Card ) promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX ( secured ) XXXX XXXX ( credit card ) XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXXall of the above has violated all or any of my rights..15. u.s.c. # 1681 section 602 A. STATES -a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Bank Of America. They were doing underwriting. Ten days before closing, they requested me to switch the property 's occupancy from primary to investment so that Bank of America could raise the interest rate and fee. I provided them with the fact that I have to live on that property as my primary home because my current home will be given to my older brothers, my parents, and my grandma to live. My family will relocate to America soon, and they will have nowhere to stay, but the Bank of America has forced me to change the facts because they know that the seller will not extend the closing date for me to look for a different lender. Bank of America has placed us in a situation where we have no other option. I would like to request the CFBP to investigate bank of America, as they have been using this tactic to exploit mortgagees.

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 2020-02-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to address this issue with this company I never heard of called XXXX. They are saying I signed something for them to run my credit on XX/XX/2019. 

I have called this company a few times and they had emailed me months back with a report to proof I am me and how if I did that they would remove this hard pull which I sent them my photo id to provide I am who I say I am and that I never authorized anything with there company. 

From what there company rep had said this would be removed from my credit report as long as I proved I am me. Which I feel I did. So I am unsure as to why this is still on my credit file.

Company response to consumer: Closed with explanation