BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: TX
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 am the author of this complaint and I checked my credit report and noticed that there are inaccurate negative accounts and the credit bureaus did not do a reasonable investigation. 

Fraudulent acounts : 1. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Late Payments to Update : 1. XXXX Inquiries to remove : 1. XXXX 2. XXXX - XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX XXXX 9. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: RS Clark and Associates, Inc.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.The XXXX Credit Bureau is reporting inaccurate information on RS CLARK & ASSOCIATES. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: Dorough & Dorough, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The debt was being paid thru chapter XXXX bankruptcy. When we were dismissed from the bankruptcy, the HOA turned the debt over to a law firm. A judgment was entered for the debt. I contacted the attorney ( XX/XX/18 ) to dispute the amount that they said that we owed. I was informed by the attorney that she would speak to the HOA board and call me back. I never received any call back from the attorney. We were not provided with validation of the amount. Approximately 21/2 weeks later I discovered that both myself and my husband had been garnished at the same time without notice. This created extreme financial hardship because we were left with XXXX dollars in our bank accounts. I contacted the law firm and the paralegal denied that anyone had ever spoken to me even though I informed her of my telephone record ( the date and length of the call, 13 minutes and 7 sec ). The paralegal stated that they did not have my new address or any notation in the computer regarding me disputing the amount owed ( it was given to the attorney during the telephone call on XX/XX/18 ). She also informed me that both husband and wife are garnished at the same time so that they " can collect the max amount quickly for their clients '' and that they didn't care that all income was deleted and left a family in distress. Unfair practice used to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Good morning. 

In XXXX of XXXX my mortgage was transferred from DITECH Mortgage to XXXX Mortgage. In the process DITECH reported that I had not made my XXXX, XXXX and XXXX payments. This was not the case. I called DITECH and spoke to a CSR on 5 occasions in the past 40 days. Each time they told me it was an error on their part and that it would be fixed. In the past 40 days I 've received 6 foreclosure packets in the mail and the new loan servicer, XXXX shows that I 'm in default and will NOT accept my XXXX or XXXX payments. I 'm stuck in mortgage lender XXXX and ca n't get out. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Affirm Holdings, Inc
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am eligible for the servicemembers civil relief act ( SCRA ) as the spouse of an XXXX XXXX service member in the state of Louisiana stationed at XXXX XXXX. Louisiana is a key provision state that allows a servicemembers spouse a reduction in interest regardless if the servicemembers name is on the debt. Louisiana also allows for reduction of interest on debt that was obtained after the start of their service. Affirm was provided copies of my husbands orders, our marriage license, and a letter from my husbands commanding XXXX with all of his pertinent information. I have contacted and provided info no less than 3 times. I have called in repeatedly. I am never allowed to speak with anyone who resides in the US. I have received rejections due to my husbands name not being on the debt. I provided a copy of both the federal and Louisiana state statute. Every time I speak with someone I am told the issue has been escalated but it is NEVER resolved. All of my credit cards, auto loan, and personal loan have been adjusted accordingly with the exception of Affirm

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Bread Financial Holdings, 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:
This serves as my official notification to you, or any individual ( s ), concerned that I here now have confliction with the reportability of your claim ( s ) until it's testimonial that privilege to report was executed adequately and in a well established and chronicled compliantly reported compliant manner, even to the mandates in accordance with the XXXX required XXXX described XXXX XXXX data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
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: 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX 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 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 XXXX 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 explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit profile. this has been a issue ive addressed multiple times an no updates have been made. looking over my file ive noticed all issues are reported illegally an fraudulently to my credit report. please review an remove the listed items asap that are hindering my credit report asap.

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 2023-03-14
Company: EQUIFAX, INC.
State: CT
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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/2021, I sent a letter to Experian, in regards to the accounts that were inaccurate and needed to be fixed. I gave them the 30 days which is determined by law and on XX/XX/2021 I sent a follow up letter stating to them ok it has been 30 days I need to see what has transpired of the reinvestigation, but I still have yet to hear anything and it is now XX/XX/2021.

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 2015-03-20
Company: Praxis Financial Solutions, Incorporated
State: CA
Product: Credit card
Issue: Other

Complaint:
I was contacted XX/XX/XXXX by a collection agency representative who claimed he was an " officer '' and made threats of immediate arrest and intimidation. This, despite my having sent the collection agency a letter asking them to cease all further communication in accordance with the Fair Debt Collection Practices Act. They have since repeatedly contacted me in violation of this law.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My apple card with Goldman Sachs and my savings account have been restricted. I have reach out to them multiple times since Friday XX/XX/2023. I ask for a reason for my account restriction and they told me is under review and that the team is taking a look at it that they will be reaching out in 24hrs. Now today is XX/XX/2023 and they now restricted my savings account and still no one can answer why my hard earned money in restricted from me. They said I can't speak to review team and that their manager will tell me the same thing. It's currently my primary card and my primary saving incase of emergencies. I would like this to be resolve as soon as possible. I am now at the mercy of them calling me back. I noticed other people have this issues too including not hearing back in months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They have many errands including two SSN # on my account which has been detrimental to my financial health credit and living arrangements I can't get any help I need or want.

places homes cars nothing because of their carelessness me and my kids have been homeless for over 9 months trying to deal the situation I do plan to seek legal advice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. This company continues to report inaccurate information to the credit reporting agencies. I have sent several letters requesting physical evidence confirming that I owe the company such debt, specifically any paperwork with my signature agreeing to pay such debt. Their response is either copies of some statement with my name on it ( which can easily be made with PDF editing software ) or simply a letter stating that I have to provide evidence to support that they are reporting false information to the credit bureaus. The burden of proof is on them but they refuse to provide the documentation I requested claiming that they received an electronic file when the debt was purchased. This needs to stop! This company has made a mess of my life having false, unverified information on my credit reports which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance. I have, as a consumer, requested for validation of my debt on these accounts : XXXX, XXXX and XXXX and so far my requests have not been answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Block, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transferred money from my checking acct with XXXX XXXX Bank to an account holder in Cash App. I sent 2 transactions of {$50.00} and 2 transactions of {$50.00} ... for total of {$160.00}. The person I sent the funds to contacted me and stated they did not receive {$50.00} that I sent. 

I then needed to send this same person {$30.00}. I sent the {$30.00} but got a response from Cash App that the transaction was on hold due to technical difficulties within Cash App. At this same time, I received another text from Cash App to my cell phone stating my {$30.00} transaction was being refunded... here is that text... 

... '' CASHAPP : For your protection, your {$30.00} payment to $ XXXX has been refunded. {$30.00} has been returned to your CASHAPP account and will be available in 2-4 working days .... '' I received a similar text fof {$50.00} that I had transferred to the same person. I assumed that since I got the message from Cash App about internal technical difficulties precipitated that 2nd text. The person I sent it to also stated they did not get the {$30.00} ... .so, I re-sent the {$30.00} and the recipient stated they got the {$30.00} ... .but not the initial {$30.00}. 

When I contacted cash app support soon after I made those 4 transactions, I was told by cash app that all the transactions were sent successfully ... despite the person I sent it to telling me otherwise. 

So what's happening here? Did I actually send {$160.00} or are the initial {$50.00} and {$30.00} being refunded per the text I received from Cash App, meaning I actually only sending {$80.00} and the {$80.00} being refunded and I'll see that money bank in my account in a couple days. It seems I got scammed for all 4 transactions. 

I contacted cash app several times and their response was always... the funds were sent to this person and they can not refund my money. I also contacted the person I sent the funds to and they responded they don't know anything ... an obvious, unfortunately, scam. 

Please advise on all this... I am terribly upset over all this. I await your kind reply... thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2017-07-07
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband non citizen/legal resident was pre- approved for a FHA mortgage through his bank. ( US Bank ) we even checked with FHA.gov beforehand regarding his immigration status to make sure he fit the criteria, and they assured me as a Legal Non Permanent Resident on a Work Authorization he did. US Bank declined him in underwriting after we told them this and submitted copies of his visa, drivers license, work authorization, etc. Saying because of his Visa Type could not verify residency for the mortgage address so he was declined. A few days later. XXXX XXXX approved us for the house FHA mortgage and we closed on our loan with the exact same paperwork and no delays. US Bank discriminated against my husband because of his national origin. After our first mortgage payment we got a letter stating US Bank bought our mortgage and will be our new servicer, so in the end they ended up with our loan! However discriminated againsy my husband with a denial because of his national origin. US Bank should be sued for clear discrimination, this caused us so much unnecessary stress and harm in the home buying process.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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