BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report because of other fraudulent activity, I discovered an amount of XXXX was sent to a Genesis collection agency. I called to discuss this with them and learned that someone had used my identity to apply for a lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
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: Account information incorrect

Complaint:
I had a loan with XXXX XXXX XXXX. i did n't make any payments on the loan for 6 years and due to the " statute to limitations '' the loan collector should not be contacting me any more, by they still are in both forms phone call 's and letters. I am also trying to buy a house for my family and found out that i can not get a USDA loan for the house because XXXX XXXX XXXX has filled the loan as a government delinquent loan. The problem with that is the loan is a private loan not a federal/Government loan. due to the way they filled the lion on my credit report i am not able to buy my first home.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized any of these creditors to pull my credit report. I respectfully ask that all unauthorized inquiries be Deleted immediately from all three credit reporting bureaus upon investigating each unauthorized inquiry. 
XXXX Complete Department Stores XX/XX/XXXX XXXX XXXX General Clothing Store XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion XXXX/XXXX  XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/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 2017-12-18
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX 2017 I called Equifax and spoke to a rep regarding my dispute # XXXX of all unauthorized inquires that was reported as " verified '' and I asked how were they verified. The Rep told me that they really can not investigate inquiries and that even though they give you the option it seems to do so and use " unauthorized access '' and that if I feel that it was not me to call the companies and have them modify it. I asked for a supervisor. I was told the same thing and that I could go to fraud department and put an alert on my account. I proceeded to state that why even offer the option to dispute inquiries if there is nothing that this department which is the Dispute Department can do about it. Plus to tell me to contact companies I already contacted before I disputed with you and that you clearly stated you investigated in your report but you just now told that you do n't do which I believe to be true because if you had it would n't have been " verified '' as was reported back to me. That seem to be misleading plus to tell me to prove that I am a victim of fraud when not only 6mths to a year ago I had a case of identity theft with someone opening a XXXX XXXX Credit Card and putting a freeze and fraud alert on my accounts and that Their own company notified ME that my info was a part of the breach Is utterly ridiculous to me. Plus I was told to get a police report which the police had already advised me that it was a non tangent offense since no offer was extended thus no crime was actually committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I requested a Balance Transfer from Discover to XXXX XXXX. Discover transferred {$5400.00} into someone else 's account, and are not taking responsibility for their mistake. This means that right now it appears that I owe {$5400.00} to XXXX XXXX, and {$5400.00} to Discover. This is highway robbery, and it should be considered unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: AES/PHEAA
State: MD
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 submitted a dispute letters in order to have accounts deleted because the information reported was incorrect. Instead of deleting the accounts they claim they updated information. There is no information updated or changed with the accounts I am disputing they still have incorrect information listed. I want every closed student loan account deleted from my report. The information being reported is inaccurate when I sent my dispute letters I sent proof along with the info as to why they needed to delete the loans off my report. Nothing was deleted claim to have updated the info but everything is exactly the same. It is their responsibility to report every account with accurate information and they have failed in this department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX false reporting account after it was already settled and paid off the information shouldn't have been shared to XXXX, XXXX, or experian due to false reporting under FCRA IT IS TO BE FIXED OR REMOVED WITHIN 30 DAYS THIS ISSUE WAS REPORTED MULTIPLE TIMES THRU THE 3 BUREAUS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Goldman Sachs did not properly follow lending processes and Truth Lending. I want this account deleted from my credit reports. The loan payment statements were sent to an incorrect address in Florida. I knew nothing about this loan or payments until Goldman Sachs filed a judgement against me in court. I also found out that Goldman entered the wrong phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: NY
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 belongs to someone else

Complaint:
I am a Victim of identity theft, and have attached a FTC report and a letter stating the fraudulent accounts that were open under my identity.

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 2021-01-25
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened a PayPal acct/credit card using my information. I am a victim of identity theft. I was contacted by XXXX XXXX XXXX XXXX, who threatened legal action. I did contact the fraud dept. and they are investigating the claim. I do not know at this time how many other fraudulent accts. are open in my name. I do not have any documents regarding this matter. I was contacted by phone.

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 2022-02-15
Company: AES/PHEAA
State: GA
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:
PLEASE HELP! I FEEL HELPLESSLY TAKEN ADVANTAGE OF, BULLIED & MANIPULATED BY XXXX! 

I currently have new information regarding two CFPB complaints ; # XXXX and # XXXX, in which XXXX and PHEAA are taken advantage of me as a consumer and breaking protection laws. XXXX is allowing this fraudulent account to report on my consumer credit report although I have submitted my FTC Report, ID and social security card as proof that this account is fraudulent. I have submitted all of those attachments and evidence of XXXX 's criminal activity. 

I have called on the phone and submitted many disputes since XX/XX/2021, XXXX IS REFUSING to completely remove this account. Instead they are updating it. Fraud is fraud and XXXX is perpetuating this fraud by continuing to report it. 

I SUBMITTED MY FTC IDENTITY THEFT REPORT ALMOST 2 MONTHS AGO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: Experian Information Solutions 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:
As an Consumer thats protect by the laws of the FDCPA I would like the attached items on my Consumer report to be deleted. See attached ; Inquiries/accounts ; INQUIRIES ; Police and Fire FCU/PA Date open XXXX Reporting to EXPERIAN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Reporting to EXPERIAN XXXX & XXXX XXXX Reporting to EXPERIAN I never gave your agency PERMISSIBLE PUROPSE to furnish anything on my Consumer report. Per 15 usc section 1681 ( B ). And this also VIOLATES my right to PRIVACY according to 15 usc section 1681. And I would also like the following accounts removed due to the above mention VIOLATIONS as well ; Accounts ; XXXX XXXX # XXXX Date opened XXXX XXXX # XXXX Date opened XXXX XXXX XXXX XXXX # XXXX These accounts are reporting inaccurately, and I have a right to a FAIR and ACCURATE Consumer Report per FDCPA and the FCRA. And its also a VIOLATION of 15 usc section 6802 ( A ).

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 2021-10-06
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, my Citibank checking account had three XXXX Transfers to a person named XXXX XXXX who I do not know nor have not spoken to ever. I did not authorize three XXXX transfers to this person in the amounts of {$400.00}, {$350.00} and {$350.00} all at the same time. I was alerted by Citibank of possible fraud. I immediately called them but they made the transfer anyways. 
I have made numerous attempts to appeal to Citibank Fraud Department but they claim that I authorized the transfer so denied my claims.

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 2022-12-11
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX & Experian Failed Investigate & DELETE Inquiries After I Stated That I Did Not Authorize. ATTACHED ARE LETTER THAT WAS MAILED TO XXXX AND EXPERIAN

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 2017-05-16
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Judgements were paid on  XXXX   XXXX ,  XXXX  in the full amount of {$1600.00} through the Courts of  XXXX ,  MS . Th e Courts finally took the public records off of my account on  XXXX   XXXX ,  XXXX .  XXXX  and  XXXX  refuse to remove the collections off my account Case or ID #  XXXX  Case or ID #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been affected by Covid 19, Request help with my mortgage from Carrington Mortgage and they put me in a forbearance. My forbearance ended XX/XX/XXXX, as soon as it ended I sent the documents for the mortgage assistance. I sent Carrington all the paper work they requested but a foreclosure sale date was set to sale my house. Spoke with XXXX XXXX XXXX dept. XX/XX/XXXX he said the foreclosure sale date is still on hold not canceled yet underwriters are still working on the COVD-19 modification. He transferred me to XXXX the Supervisor. XXXX XXXX XXXX she stated the foreclosure date for XX/XX/XXXX will stay on hold until the modification is complete. I told her of the last conversations with XXXX XXXX ID # XXXX stated Supervisor XXXX XXXX XXXX XXXX said it shouldn't be on there and will be canceled said to check next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A security deposit was taken from my credit card for a car bidding website. The merchant falsely accused me of bidding on and winning a car on my account to keep my security deposit. I never bid on the car they company said that I did. When I contacted the company they told me lies and refused to give me a refund. My bank said that I have to get the merchant to agree that I get a refund so they disapproved my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Sequium Asset Solutions, LLC
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:
An account was allegedly opened in my name at an address I didn't live at. Apparently an account was opened XX/XX/2019, at XXXX XXXX XXXX XXXX in XXXX GA. I have never lived there, nor did I authorize this account to be opened in my name or cosign for anyone. 

I keep explaining that I never lived at the said address and the account opened was not opened by me nor did I authorize for it to be opened in my name. No one wants to make the creditor show proof I opened the account. I ask for either a recorded call, an electronic or physical signature where I authorize use of my name to open this account or where I opened the account. Secondly I've owned my house since XX/XX/2019, i got free cable the entire year of 2019. I would not need to get cable plus I live at XXXX. I was not living at XXXX XXXX XXXX XXXX when this account was opened. I have never lived at XXXX XXXX XXXX XXXX. Everyone is passing the buck instead of producing some for of proof i opened this account. 

XXXX XXXX, sequium assesses solutions and the other major credit reporting agencies are violating my rights and grossly reporting inaccurate information that is adversely impacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

Equifax has violated my nghts.

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 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 intormation Any other adverse item of intormation. other than records of convictions of crimes which antedates the report by more than seven vears. 
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 consumer didnt consent. 

The following account on my XXXX & TransUnion credit report does not belong to me. 

1. XXXX  account number is 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 2021-04-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX I shared my concerns to CFPB about Synchrony Bank representing XXXX XXXX XXXX, having had substantially lowered my credit limit from {$700.00} to {$200.00}. Conclusion was to block my credit bureau records so that no tampering or unauthorized use would occur. However on XX/XX/XXXX, I received yet another notice from Synchrony Bank lowering my credit line to {$160.00}. While I recently filed a complaint to the corporate office of XXXX about another card and dissatisfaction of customer service handling, Synchrony Bank should have not lowered -- again -- my credit line. I have tried getting resolution favorable but to no avail ; and retaliation is my reward.

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 2017-05-16
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been receiving bills from a debt collector who is acting of behalf of  XXXX . The debt collector is called Convergent. The debt is from 2008. The issue I had was my account was broken into and my personal information stolen resulting in erroneous charges being made to my account over a 9 month period. The charges were for a subscription I never signed up for. Subsequently my personal information was used to make other charges resulting in me having to close my checking accounts.
When I approached  XXXX  with what had been going through I was told by one of the Sales Managers that they would credit my account for the erroneous charges however they could do nothing to stop the charges from being charged to my account.
After nine months of this kind of treatment I closed my account in   XXXX   of 2008. My issue is it is still showing on my credit report. The last report pulled was from  XXXX  in   which I was denied credit for what they called a serious delinquency.

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