BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
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: Reporting company used your report improperly

Complaint:
I recently went to a car dealershiup and only authorized an inquiry for XXXX XXXX, however, the dealershiup ran my social across many companies and that has cause a dramatic decrease in my credit score and these inquiries were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: National Credit Systems,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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Personal information incorrect

Complaint:
To Whom It May Concern, Starting in XX/XX/2022, I have sent multiple letters to XXXX, XXXX, and TransUnion regarding an incorrect name on my reports. Nearly 6 months later and that name has not been removed. 

If any erroneous and/or derogatory accounts are added to my reports under this name, it will have a massive impact on my credit scores. For this very reason I have been trying to resolve this directly with the bureaus, with no luck and NO RESPONSE. 

I find this completely unacceptable and may result in pursuing legal action if this is not remedied IMMEDIATELY. I have attached a screenshot of the personal information on my reports.

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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-09-08
Company: GOLDMAN SACHS BANK USA
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: Account information incorrect

Complaint:
Goldman Sachs is not properly updating credit reports for their Apple MasterCard. I have been trying to have my report updated but have not been assisted by Goldman Sachs at all. My XXXX report shows a {$630.00} balance and {$3000.00} credit limit last reported on XX/XX/XXXX ( see attached ). It should show a {$0.00} balance and a {$4500.00} credit limit, Ive attached both my XXXX and XXXX statements to show I payed my balance prior to the statement being issued and bother have a {$0.00} balance. Also heir representatives are clearly not trained to understand reporting either. The first representative I spoke with there told me that I simply needed to wait longer - even though my statement had cycled and it should have been reported already. The second employee I spoke with ID # XXXX just stated she would submit a dispute with XXXX, which makes no sense because they are the reporter and as such would just report correctly, not dispute their own information. All she could offer after was to note they needed to do a better job reporting, to whom this note would go is unknown as again, they are the reporters ( see attached ). This is unacceptable. It is now XX/XX/XXXX and I've had to enter my second dispute with XXXX ( who botched the first dispute ) to get this updated as it is still wrong, previously I had to file a complaint with XXXX for a similar issue. Goldman Sachs needs to be updating with the credit bureaus every 30 days. By not regularly updating credit reports, it harms the credit of borrowers who have paid off balances and/or had credit limits increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
SOMEONE OPEN FRAUDULENT ACCOUNTS USING MY NAME AND SOCIAL SECURITY NUMBER XXXX DID NOT APPROVE OR GIVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2019, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: CHARLES SCHWAB CORPORATION, THE
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, I attempted to open a brokerage account and linked checking account with Charles Schwab. A few days later, the account was abruptly closed, and on XX/XX/XXXX, I received 2 pieces of mail informing me that the accounts were closed due to my credit score as reported by XXXX. While the disclosures provided during the application process indicated that Schwab may obtain information from consumer reporting agencies, I reasonably assumed that such information would be used for identification purposes, and that nothing beyond a " soft pull '' would appear on any credit report. Nowhere on Schwab 's website, and at no time during the application process, does Schwab disclose that a minimum credit score is required to open a brokerage account - and I at no time applied for an extension of credit from Schwab. Schwab is certainly free, subject to statutory limitations with respect to discrimination, etc., to choose its business partners. As a consumer, however, I have a reasonable expectation to know what specific information may be sought about me, and why specifically Schwab believes it needs such information.

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 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a credit card consolidation loan and fell for a gift card loan scam. 
The lender said that my credit wasn't that good, so they wanted to make a payment to my XXXX XXXX XXXX for {$480.00}, and Capital One for {$190.00} and {$190.00}. He told me that he wanted me to immediately repay the money as a measure of good faith that I wouldn't refuse to make my monthly loan repayment once the loan was disbursed. He also told me that he would provide instructions on how to repay trial deposits once I had received them. 
I did as the lender asked and repaid the {$480.00} from my XXXX XXXX XXXX and the {$190.00} and {$190.00} from my Capital One MasterCard. 
The deposits were returned on XX/XX/2021 - over 30 days later. 
The deposits were made from a XXXX XXXX XXXX account. 
Once I had repaid the trial deposits of {$480.00}, {$190.00} and {$190.00} I stopped communicating with him. 
I thought that XXXX XXXX could perform a search on this XXXX XXXX XXXX account and see if this account had made any other deposits in any other XXXX XXXX account. Then, contact law enforcement and get records from XXXX XXXX XXXX along with a SSN # and track this person down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX XXXX applied a debt collection to my credit account with trans union in the amount of {$6800.00} or so. I disputed the debt immediately because it stated it was from XXXX. This account was included in my bankruptcy. I sent Transunion the federal Supreme Court papers showing these XXXX accounts. They stated that their investigation shows that it is current and the account will stay. I then called up the XXXX XXXX agency who took the paperwork and stated 30 days later they sent the remove from credit paperwork to the credit companies. I disputed this report with Transunion 2-3 more times with same results even with documentation. Finally, XXXX XXXX comes off my credit report and then right back on it the same day by Transunion. This is illegal as it was disclosed in my bankruptcy and I find it very unprofessional. I have paperwork ready to be filed for a Lawsuite if they do not correct immedietly.

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 2021-06-29
Company: Navient Solutions, LLC.
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
While I was attending school at XXXX College I took out a private student loan. I graduated in XX/XX/XXXX and 6 months later Discover bank contacted me and stated I owed {$800.00} for my monthly student loan payments. I explained to Discover that I was not making enough money to pay that and asked about a payment plan being worked out. Discover Bank turned me down multiple times stating that they do not do payment plans. Finally my mother XXXX XXXX ( co-signer ) and myself got a lawyer XXXX XXXX of XXXX, NY to help with Discover Bank. On XX/XX/XXXX myself and my mother XXXX XXXX signed a payment agreement contract with Discover Bank lawyer XXXX XXXX of XXXX XXXX XXXX stating that in 10 years I will have paid the loan off of {$74000.00}. Since then I have been making the agreed payments every month however Discover Bank is reporting it to the credit bureau that the loan was " In Collections/Charge-off '' and it's " charged off as bad debt Dispute resolved ; reported by grantor 's ''. I have disputed this with XXXX  by sending them my payment history of my mothers bank account where it shows no payments have been missed because the checks are being cashed. XXXX then passed it on to Discover Bank and Discover stated after there investigation that they are reporting it correctly and it will not come off my credit report until it's paid in full. This was not an issue until recently, from XX/XX/XXXX to XX/XX/XXXX they were reporting it as making agreed payments now all of sudden Discover Bank is reporting it as stated above. This is a very serious issue because I am trying to buy a house for my family and because Discover Bank is reporting incorrectly they will not approve for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reached out to my bank in an effort to provide my family with a home to live in. I thought I would request the bank to lend me the amount of XXXX. The monthly payment would be less than the payday loan they were providing me with until I closed the account because it had a negative effect on my credit report according to a reporting agency it was showing not on time. The North Carolina State Employees Credit Union and the members board turned me down. How can you approve a loan that would average out the same amount if I would have continued to borrow payday loans for a full year. The payday loan does not have any resale value if I decided to default on the loan as a home would. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made payment of {$500.00} to Citibank and its immediately withdrawn. Payment still has not been added to available credit as of XX/XX/XXXX. Citibank tells me they use money laundering laws as an excuse to hold payments for 7 business days. I am told they can do this whenever they feel like .... So a credit card company can take payment and not give it to the customer for close to 2 calendar weeks because they pre-paid early?? 

That's right .. I'm not purchasing I'm paying my card back in advance. So this is the " thanks '' Citibank gives for doing that. They take your money. label you a money launderer and then invest it anywhere they like while you got NO MONEY. 

Citibank it the only bank I know of that does this. WHY? 

Last rep I spoke literally laughed in my face.

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 2021-06-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reasonand will not help me getting me in back up and going.I am not sure if this some mistake as i assumeit has to be. I have not been able to get help from them for months but i just rememberedi could file a report on here as i feel they are not doing thier job properly and it is affecting me a great deal as i used PayPal quite frequently.My email link to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Affirm 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have banked with WELLS FARGO for 7+ years and on XX/XX/2019 they closed my accounts without notifying me as to why my accounts are closed. They also then begin to report me for fraudulent activity and as a result a data reporting company XXXX XXXX XXXX XXXXXXXX XXXX ) has furbished 'checking account fraud ' report on my consumer report. This has put my business and personal goals into jeopardy. I am unable to open new accounts and also have turned down for personal and business loans etc.

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 2018-02-13
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Re : Address : XXXX XXXX XXXX, XXXX, CA XXXX I just a Notice of Default for Citi Bank, NA from XXXX XXXX XXXX of XXXX XXXX who is acting as their Trustee. Their first Trustee, XXXX this mortage was executed on XX/XX/XXXX and subsequently recorded as Document Number XXXX. However, they volitionally executed a full reconveyance of the mortgage on XX/XX/XXXX and recorded that reconveyance on XX/XX/XXXX as Document Number XXXX. 

The execution and recording of a reconveyance deed, Extinguishes the Deed for all time. XXXX XXXX XXXX and XXXX XXXX v. XXXX XXXX ( XXXX ) XXXX Cal. App. XXXX XXXX, XXXX citing XXXX v. XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX. App. XXXX XXXX, XXXX [ Recordation of the deed of reconveyance extinguishes the lien on the property created by the deed of trust. ] At that time the mortgage became extinct, or best completely unsecured by the extinguished deed of trust. XXXX. XXXX. XXXX XXXX. They then have no secured creditor position on their property. 

The reconveyance was of their own free will and, can not be unilaterally rescinded. Furthermore, the status of all purported encumbrances on the property is the subject of current litigation XXXX XXXX Superior Court Case Number LC XXXX in which Citi Bank was named as a defendant and had its default entered. 

The continued assertion of secured rights to our property is slanderous, and further violates Fair Debt Collection Practices Act ( 1692f ( 6 ) ),  which regulates collection of secured debts under the Ninth Circuits recent ruling in XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XX/XX/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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-07-22
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation