BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Credit XXXX : # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax currently reports illegal unathorized inquiry on my credit report one XX/XX/2020 Inquiry : XXXX XXXX XXXX XXXX  ; Reporting with no permissable cause, no credit or loan has been awarded. this is a violation of FCRA rules

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Remove the remaining items from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The proper option was not provided. Nor Other Option. 

It so happens I applied although hesitant for a Best Buy Managed by Citi Bank. And within seconds I was literally told a decision will be mailed to you. I have the option to email my decision. I was so infuriated I made countless calls on Friday XX/XX/2020, minutes after. Calling the Credit Card Status was not an option as my Social Security was not recognized. I call Best Buy Customer Service, was transferred to a live person right away. Well, the individual blatantly told me my decision was not based on my Credit Score. But income. And I will receive a letter via mail. 
I stated that was discrimination because Im on XXXX. 

This morning XX/XX/2020 I receive a PDF without a Password. Attachment included. I call the number later on in the afternoon. Also Screenshot of all included. 
I explained to representative about the email without a password as the fact I was discriminated due to my income. 
She transfers me over to her Supervisor XXXX. This was all from my cell phone XXXX. 

She rarely let me talk. Talked over me and told me the reason for denial was because my rent was XXXX $ for and my income is close to XXXX $ per yr. Income was not enough. 
I said I applied for a Home Depot Card and was accepted. She replies! Yeah. And your rent income was not put in. If it were, it would have been denied. Im looking at your application right now. 
I stated, first off. I did not fill out the application at Home Depot. I told him ( The Associate who processed Application ) I paid XXXX . My son and I go half and half on bills.. 
I filled out the Best Buy Application va internet. Why would I lie? 
She said! Well. You do not make enough income for a credit card. This is a Federal Law That was signed by Obama. Anyone making XXXX or less should not be approved. Really? 

I told her. So explain to me this. I have a secure credit card~ a Home Depot Card.~ pay half water ~ light~ Cable ~ XXXX Prescription Insurance premium. Which I make payments on. 

She said! And the Home Depot would have been denied. It had XXXX income. There you go CFPB ... Youd think with XXXX income on rent you would get a credit card? 
No.. 
I tried calling Corporate Office Liason. But waited for close to two hours and hung up. Given to me by the screenshot with XXXX area code. 

I want them to remove that Hard copy inquiry which hurts my credit. Stays for 2 years. 
All I wanted was to purchase a printer. 

This is full-blown XXXX discrimination due to financial status. Not to mention, my credit score came down a couple of notches ..

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 2018-11-09
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: Account information incorrect

Complaint:
I disputed an XXXX account that is reporting medical debt in XX/XX/2018 with Experian and XXXX. Experian and XXXX responded that the debt is verified as mine. The debt collector has not sent me notice that it was going to report to credit reporting agencies. The amount in question is {$1000.00} from a hospital. At the time that they are reporting debt I had insurance coverage through Medicaid for % 100 of hospital services. I had given the hospital my insurance information any time I had visited either the hospital or the physician that belongs to the same medial group. The only time I have had issue with billing is with the hospital. The hospital has not sent me an itemized bill or the reason insurance may not have paid for services on this 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 non-monetary relief
Consumer complaint received 2021-03-27
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This phony bill collector does not have a claim against me I DO not know why they keep calling me ... ..I filed a chapter XXXX in XXXX and XXXX ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX {$850.00}, I sent numerous dispute and letters of resolutions that this is not a accurate debt and not mine. They illegal billed my wife insurance and then removed the debt back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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  Account XXXX 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 explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: CA
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:
According to 15 U.S. Code 1666b this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These reporting of these accounts are not related to any transactions related to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
After experiencing severe and ongoing financial hardship related directly to the current and ongoing COVID-19 crisis beginning XX/XX/XXXX2020 and continuing today, I contacted my private student loan servicer, American Education Services, to request an immediate extension of the Coronavirus Forbearance extension on all of my privately held student loans with AES. Upon speaking to several representatives, I was informed that this should be no issue, as all lenders were being very responsive to COVID-19 forbearances and extensions. However, upon requesting this extension three weeks ago as well as informing AES that I had been also affected by an earthquake in the Southern California area which affected my work in XXXX 2020, I was informed that this would be sent to my lender for approval and that they would also attempt to get this approved for a 90 day forbearance internally. I was advised on XX/XX/XXXX2020 by an AES Supervisor that my loans would be processed for forbearance approval within 24 hours to present, my loans held by NCT have not been placed in Disaster Forbearance, as promised, and I have not been contacted by my contact person who is a liaison for NCT, Mr. XXXX XXXX with AES, after several voice mails on XX/XX/XXXX20, XXXX/XXXX/20, XX/XX/XXXX20 and XXXX/XXXX/20. Additionally, I have not been contacted by National Collegiate Trust, and was advised " there is no way to contact this lender ''. I remain extremely distressed at this situation, and appalled at AES and NCTs handling of my situation, especially as an individual who has been affected personally by the Coronavirus both medically and professionally and financially. In addition to being severely affected by the COVID-19 crisis, due to the nature of my work, my employment has been profoundly affected by other natural disasters in my area, most recently an earthquake and the Soledad wildfires in XXXX county. I am at this time requesting immediate and urgent contact from the Executive Office of National Collegiate Trust, to ensure that my loans are placed in an immediate Disaster Forbearance as related to the COVID-19 crisis, which continues to severely affect me due to the state of California still being largely on lockdown and my employment being affected severely. Please urgently ensure this matter is resolved and my loans are placed in an Emergency forbearance as related to the ongoing national crisis. Thank you kindly in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
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: Account status incorrect

Complaint:
I originally sent a complaint about non accurate reporting on my XXXX XXXX XXXX XXXX  account it has not been properly reported by the major credit bureaus under The Fair Credit Report Act. ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) please update account with 100 % accurate information under the FCRA this is having a very negative impact on my credit. 


XXXX, XXXX XXXX, Equifax I am Writing this letter in regard to some of the deficiency 's in my credit report. A credit report should have 100 % correct information and reporting and not be misleading to potential creditors. Some of these items in regards to my XXXX XXXX XXXX XXXX  account listed on my credit report as ( XXXX ) are very misleading these also hold fines between XXXX dollars in violation of the Fair Credit Report Act. ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) I am asking for this information to be updated. All monthly payments should be reported on time. Late Payments From XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX  XXXX Should be updated as Paid on time. In XXXX XXXX  XXXX 2 Bureaus are reporting 30 Days Late the other is reporting on time this is not 100 % accurate. XXXX XXXX  XXXX 2 credit Bureaus are listing Late the other listed on time this also is not 100 % Accurate and needs to be updated to a on time paid status. Finally XX/XX/XXXX 2 agency 's have not reported and one shows 30 days late again this is in accurate information. Attached is my credit report from all 3 major Bureaus. Also the open date is not reported accurately 2 bureaus show an open date of XX/XX/XXXX and the other is reporting XX/XX/XXXX this as well is not 100 % accurate. In total With deficiency in the open date, Last Payment, Payment History, Original Payment and Monthly Updates there are 7 violations and misleading information that needs to be updated and corrected in total there is a max of XXXX in violations under the ( FCRA ). Under the FCRA if there is not 100 % correct information this information needs to be removed and updated 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX, I applied for the XXXX Card from Goldman Sachs Bank, XXXX XXXX XXXX Branch.  After getting an identity verification error, I contacted Goldman Sachs Bank and was told that I need to keep trying the application as there is no limit to the number of times I can retry. I was able to get to the part where I have to scan my drivers license and they were having issues with certain states drivers licenses. I followed the directions from the representative and kept retrying the application. After the 5th retry, I began getting a message that I had applied multiple times and they were unable to verify my identity. After multiple calls and speaking with multiple agents on XX/XX/XXXX, XXXX and a manager around the XXXX, the company informed me that they had no resolution process in place for customers whos IDs were triggering issues with their scanning mechanism. This is unacceptable for a large bank to not have a manual verification process in cases where there is a clear and acknowledged system issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account which seriously affected my credit report and I have not received responses from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Overton, Russell, Doerr and Donovan, LLP
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contact the credit collection agency, and told them I never received 1 phone call or a letter from them. I had no idea that I had an unpaid debt. They stated they mailed a letter to my old address, then to much current address. I told them that was false because I never received anything from them. They even verified my address and phone #. So they never bothered to contact me. They said it was a debt back from XX/XX/2018 which would still be false because if they had a bad debt to collect, then it would have to be something that wasn't paid for at least 30 days which would date back into XX/XX/2018. For which I shouldn't have had anything past due at that time. So the medical center is to blame for sending me to collections for something that I wasn't past due on. Debt amount was {$65.00}. I paid them with my credit card on XX/XX/18. I found out about this being reported to my credit through XXXX XXXX. If I would have been notified I would have immediately paid it before it was put on my credit report. 
Collection agency is : Overton , Russell , Doerr and Donovan , LLP XXXX. XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Home Point Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was paid off to Homepoint on XX/XX/2020. Company claims check to refund the escrow account was issued on XX/XX/2020 and sent out on XX/XX/2020. This check has never been received. I called numerous times and it wasn't until XX/XX/2020 that I was told the previous check was being cancelled and a new check would being issued on XX/XX/2020. I called Homepoint on XX/XX/2020 and was advised the new check still had not been issued. I called Homepoint on XX/XX/2020 and got the same response which prompted me to ask for a supervisor. The supervisor I spoke with ensured me she was escalating the claim and that she would contact me back via phone to tell me when a new check would be sent ... ..I never received a return phone call. I called Homepoint on XX/XX/2020 and the representative I spoke with told me the check was SENT on XX/XX/2020. I made sure to verify the check was actually SENT and was told it was sent! After waiting over a week for the check to arrive and it hadn't, I contacted Homepoint again on XX/XX/2020 and was told that the check had been issued on the XXXX but as of the XXXX had not been sent out ... ..over a week later!!! I was sent to the escalating department where I was told by the representative that he would email me back which never happened as of this time. It will be 2 months on Sunday since this mortgage was paid off and I still do not have a refund check for my escrow funds in the amount of {$3300.00}. I have been given a run around for 2 months now with excuses and wrong information. I asked if the money could be wired and was told no because it cost money to do so. I also asked if they could put tracking on it and they said no. At this point I don't have much faith that a check was ever mailed out in the past 2 months!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: ALLY FINANCIAL 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 information incorrect

Complaint:
Account information showing as a Charge Off but I never received a 1099c and the company is still attempting to collect on the 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 2023-07-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
Company: ZARVAD III S.A.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
They charging illegal interest rates and harassing when trying to stop ACH debt. Borrowed XXXX to date have paid XXXX none of it as went to the principal they say they want another XXXX to close my account. Oklahoma law only allows you to have two payday loan with fixed interest. Which I already have.

Company response to consumer: Closed with explanation