BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-17
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A XXXX DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 XXXX  DAY DEMAND XX/XX/2020

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 2021-08-10
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
*I attempted to open a CD online with Marcus by Goldman Sachs . 
*Their computer system failed and I had to complete opening the account with a representative. 
* I was told that their tech team will look into why their system was failing and that I MAY have online access in about a month. 
* I received hard copy forms to complete in the mail about a week later including the backup withholding statement. 
* The forms were mailed back the in the Marcus provided envelope the next day XX/XX/XXXX. 
* On XXXX I receive a statement on the account in the mail that showed a withdrawal for backup withholding. 
* I am told that yes backup withholding as they do not have the backup withholding statement that that was mailed over a week ago. 
* I offered to complete another form or send a copy if they would like to send overnight mailing instructions. 
* I was told that they do not do overnight for their customers etc., that someone from customer care would call me 1 to 2 days and by the way in another 10 days the backup withholding becomes non reversible. 

So I have spent 4 hours on my time trying to open and correctly post my {$250000.00} CD. Their computer system has failed, there is no urgency for them to fix it, the backup withholding form has had plenty of time to get to their OFFICE but someone would need to be working in the OFFICE to open the mail. They set a deadline for non reversal of the backup withholding and do nothing to accommodate the customer to offset their computer and administrative failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: STATE FARM BANK, FSB
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Because of the identity theft I ordered my XXXX  report and found the following inquiries that were not authorized by me : State Farm XXXX XXXX XX/XX/2018

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 2020-02-09
Company: Phoenix Financial Services LLC
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 checked my credit and saw an account from PHOENIX FINANCIAL SERVICES for  XXXX  Hospital in the amount of {$100.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance. 

PHOENIX FINANCIAL SERVICES did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against PHOENIX FINANCIAL SERVICES should this item not be deleted within the required time allowed by law. 

PHOENIX FINANCIAL SERVICES is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX  and XXXX as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Franklin Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection agency is reporting a debt on my credit report, but they are no longer handling the account. Since they are no longer, handling the account, and it has been referred back to the original company. I asked them to delete this information from my credit file. They don't have any more information on me, it has been transferred back to the company that hired them to collect the debt. If they are not handling this account, they should not be reporting information in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions Inc.
State: IL
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:
Countless Disputes With All 3 Bureaus to repeatedly report inaccuracies not to mention a breach of contract with XXXX  where my report as well as personal data was compromised. Creditors and Bureaus are not reporting timely payments and paid accounts. However, late payments, charge offs and collections are reported and updated almost immediately. Not a fair or legal practice in which all credit bureaus proclaim and assure. Also, points that are deducted first for late payments or charge offs are never replaced with paid accounts or closed and agreed accounts. How is this considered fair credit reporting especially in a world full of fraud and scams. XXXX  is one the leading major credit reporting agencies whom are now under investigation for data breaches but yet and still are deemed reliable to report important data on millions of consumer 's 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 2020-05-17
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed for bankruptcy in XX/XX/XXXX. At the time I filed all my mortgage payments were current. I DID NOT include my mortgage in the bankruptcy and continued to pay it directly to Caliber, outside of the bankruptcy. In XXXX of XXXX, I received an escrow analysis and refund, stating my payment would be modified downward due to a change from the previous year ( XXXX ) in my homeowners insurance and premium that went down significantly. My bankruptcy attorney instructed me to continue to pay my old payment, even though it had been lowered per my statement from Caliber Home Loans, until he had a chance to confirm because he stated that they had also just filed a claim against my bankruptcy for an escrow shortage ( they claimed my escrow account was short by {$3200.00} )??? According to the escrow analysis and refund they had sent the month prior, there was no such shortage? I continued to pay the original mortgage amount until XXXX when my attorney instructed me that the amount was somehow correct and would be paid through the bankruptcy trustee payment I was making, so I could begin to pay the amount shown on the monthly statements I was receiving from Caliber. I was upset by the fact that they could do this and I had seen no proof of a supposed escrow deficit. By this time, I had paid an additional $ XXXX a month for 5 months, and so they said I had no payment due as I was overpaid at that point!?! The amount began to change every month on the statements I received from them from that point on. I continued to pay more than what the payment amount was, if I could, each month. Fast forward to the XX/XX/XXXX statement they sent me and it shows them reversing 4 months of payments I made from XX/XX/XXXX through XX/XX/XXXX and saying that I now owe {$11000.00}???? And they have yet to show me in writing, or my attorney as far as I know, how they arrived at the escrow deficit they say I owed last year AFTER they had sent me a refund??? I feel that something is not right and they are trying to force me into losing my home somehow and they are collecting more money through the bankruptcy payments than what I actually owe. I worked with them for months trying to get a loan modification in XXXX and they denied it. They have never given me straight answers and each person i talk to gives me differing information! I want my entire mortgage audited and to know how they can file these things with no proof that it was owing or that I was in an escrow deficit in any way!!!!! Criminal and unethical at the very least!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I recently pulled my credit reports and saw multiple collections that are absolutely fraudulent and should be immediately removed from all my credit reports! 

this third party debt collector is violating my rights. My consumer report is inaccurate and unfairly reported. LVNV FUNDING LLC company, took information from an alleged creditor then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. 

i never received a copy of the contract between them and I and I never give my consent for them to do such things without verifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A balance is reporting on my XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with XXXX XXXX and they have failed to correct it.

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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I originally started disputing negative information on my credit report in XXXX of XXXX. I was receiving responses and notifications for a while. The disputes I sent out on XX/XX/XXXX I have YET to receive a response on! 6 months has passed, I have also submitted another dispute during that time on XX/XX/XXXX, so XXXX rounds in 6 months with nothing from any of the bureaus. I just sent out a XXXX round on XX/XX/XXXX and am trying to patiently wait for responses, but why would the bureaus just stop responding to me out of nowhere? This is not good ethics or customer service 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 2020-05-17
Company: F.H. Cann & Associates, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have called repeatedly the collection agency that my account is with and I havent received a response from them for the last 2 months! Dep of education is garnishing my paycheck during the month of XXXX, XXXX and as of today. Under the cares act this was not supposed to take place. As a result of this I am 3 months behind in rent and have not been able to live. Effective XX/XX/XXXX, dept of education is not supposed to be garnishing checks but they are still illegally ignoring the cares act and taking my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Bread Financial 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: Information belongs to someone else

Complaint:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft COMENITYCB/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft COMENITY BANK/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MD
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:
It has been 30 days and Experian still have NOT updated my credit report and score. There's OLD account still on my credit report. These accounts are more than 7 years old and by law should not be 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 2021-10-04
Company: EQUIFAX, 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:
I checked my credit report and i saw accounts which are not mine. I believe that someone used my personal information to apply for these. I have no agreements or contracts with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: SYNCHRONY FINANCIAL
State: MA
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:
On XX/XX/2019, SYNCB/TJX CO DUAL CARD add a hard inquiry on my credit report per 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 2020-09-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I received notice that I could request a forbearance/deferment on my mortgage with Rushmore Loan Management. I requested it because I lost my job. It was approved for 3 months. In XXXX, anticipating that I would need another 3 month extension of this I went on the website and requested it again ( ( as it stated to do so on their website ) After no response and several attempts on their website submitting the requests, I started receiving multiple calls a day from them, with NOONE on the line. Would answer and no one would say anything!!! 
In XXXX I received a call and someone actually spoke and I explained the situation. on XX/XX/2020 I emailed and provided their LOSS MITIGATION department a hardship letter and provided proof of unemployment. I continued to receive calls and on XX/XX/2020 I asked the person WHY they keep calling and are not replying to my hardship request for extension or forbearance/deferral???? She apologized and said someone would get back to me-that she saw I had submitted the requests .... 
On XX/XX/2020 I get bombarded again and again I ask them why they are calling when I have submitted everything to them??? they state I didn't SIGN my letter ...???!!! 
So I email it AGAIN with a signature this time. I have called and emailed everyday since XX/XX/2020 looking for an answer and they initially act like they haven't received anything and then apologize after they see I have. Today I demanded a call from a supervisor to get and ANSWER as we are now going on 90 days since my forbearance/deferment ended!!!! I also went on their website and logged in and see that all my loan info is not accessible, nor am I able to even make a payment on there!!! 
I stated to them that I do not want my loan pushed into foreclosure as I intend to keep my home and have a temporary hardship. They are playing games letting the time go by so that they can try and push me into foreclosure!!!! ILLEGAL ACTIVITY BY THESE INVESTORS AND SERVICERS AND IM SURE THEY ARE DOING THIS TO OTHER PEOPLE. PLEASE HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Capio Partners, LLC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/, I noticed a charge off and many collection entries from 1. XXXX XXXX XXXX, XXXX, Account No. # XXXX 2. XXXX XXXX, XXXX, Account No. # XXXX and 3. XXXX XXXX XXXX, XXXX, Account No. # XXXX respectively trespassing on my XXXX XXXX XXXX, and XXXX consumer credit reports. I've requested that the consumer reporting agencies produce the original contract and after a month they still haven't responded to my notices. They are erroneously reporting a contractual debt and that a civil dispute exists us which is false, there is none to my knowledge. In accordance with the Fair Credit Reporting Act these reporting agencies have violated my rights as a natural person, and living human being numerous times. 

15 U.S.C. 1681, Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish a account without my written instructions.

I demand in these instructions that the three accounts listed above ( 1-3 ), be removed according to 15 U.S.C. 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: Worldwide Processing Group, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Forward Movement Recovery continues to call my number asking for a woman I do n't know on a phone number I have had for nearly 8 years now. They have attempted to call from several numbers, the latest being XXXX calling me at work today. Do n't know how they got this number. SOOOO sick and tired of receiving calls from this company for a debt I never incurred and do not owe ... much less for a person I 've never met and do n't know. In addition, my and my family 's phone numbers have been listed on the Federal Do Not Call Registry for telemarketers for YEARS. Whatever happened to folks respecting this and actually leaving folks like me who want to be left alone left alone as we 've requested?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have ( 4 ) medical bills I paid off with AR Resources which are reporting on my credit report. I want these accounts deleted/removed. Account numbers are XXXX, XXXX, XXXX ( listed twice on my credit report ) and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2018 They scammed my checking account for {$15000.00} ; they had me download a program named XXXX ; and got into my computer to send them the funds by fax. I closed my bank accounts so they would not take any more . 











The bank was First Hawaiian Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me in a timely manner and it wasn't until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. They didn't attempt to assist me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late. They even tried withdrawing money from both accounts. Why was I not notified that there was an issue until it was too late? I could at least get an email. Please remove the late payment from the 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