BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EQUIFAX has been reporting incorrect information on my credit report for XXXX XXXX/XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EQUIFAX regarding the XXXX XXXX/XXXX account, which was received by the EQUIFAX on XX/XX/2018. On XX/XX/2018, EQUIFAX responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EQUIFAX that any automated response or e-oscar verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EQUIFAX has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
I have an online savings account with Marcus of Goldman Sachs. I have this account connected with other VERIFIED accounts. When I asked TO TRANSFER MONEY to the other accounts, they LOCKED MY ACCOUNT. It took hours to unlock my account even though I went through several verifications processes. Marcus reps kept making it more difficult for me to transfer money. I asked them to close the account. I had to accept a check from them because they kept placing me through hoops in order to do anything else. I am waiting for the check.

This is an online bank without physical locations and they refuse to transfer money to VERIFIED ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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:
The Consumer Protective Agency was contacted regarding old accounts on my credit report. To date, Equifax has only removed one.  That was XXXX XXXX yet refuses to remove the other accounts older than 7 years. If the accounts are closed and I no longer do business with the organization why is the accounts still being listed. As I stated before this institution uses redlining to block XXXX Americans from obtaining credit. In addition, they keep old accounts listed, use derogatory statements that they add as well to block people of my XXXX background from obtaining credit. 
We have several accounts from DEPT OF Education that was closed. Some accounts were consolidated. Unclear as to why Equifax does not understand this. I am requesting for all accounts over 7 years old to be removed. Equifax in an attempt not to remove the old accounts changed the dates so it can be listed longer. 
In addition, there is a six-month exclusion rule. If an account is scheduled to drop off in six months the exclusion rule applies. I am requesting the exclusion rule to be applied to XXXX XXXX. The account was opened in XXXX and is scheduled to be removed in XXXX, of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have asked Experian many times to remove the Fraud Protection from my account and also remove the addresses that belong to my son XXXX XXXX XXXX from my account and to date nothing has been done. Because of this our credit reports continue to get combined and causing us both a very hard time. 

Please remove any and all addresses from my report except XXXX XXXX XXXX XXXX PA XXXX. 
Please remove the Fraud Protection Alert from my profile as i am having a hard time obtaining credit. 
The correct information has been added to the other credit bureaus and reports correctly. 
Correct these issues immediately

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 2019-04-16
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Trans World Systems keeps calling me to collect a debt that I never owed. I keep asking them to stop calling and they won't. They call from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions 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:
I have a major issue with the credit bureau in regards to its reporting of several account from XXXX XXXX. I do have a few accounts with XXXX, however there are some accounts that I personally did not open and I also have duplicate accounts, well they are not necessarily duplicate, however they are from the same company for the same card with different account numbers where neither of these accounts were open by me. I have disputed these inaccurate accounts with the creditor and also with the credit bureaus. I have send request for validation of debt to the creditor by way of certified mail. I get no response and the credit bureau all though they are aware of these non-responded validation of debt request they refuse to remove these account from my credit profile. I have followed all necessary steps required by the fair debt collection and fair credit reporting laws and still have gotten nowhere. I would like to have the following accounts researched and deleted ASAP from my credit profile. I have given below both accounts that are mine as well as the ones that are NOT my accounts. 

Accounts to be removed : XXXX XXXX/ XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX {$4500.00} XXXX XXXX/XXXX XXXX Account # XXXX and Account # XXXX Dont know why there are 2 XXXX XXXX accounts reporting for one person, but ... ... Both needs to be removed as I never applied nor opened a XXXX XXXX account. 

XXXX XXXX XXXX DC Account # XXXX *************Accounts that are mine and not in dispute*********** XXXX XXXX/XXXX   store card Account # XXXX XXXX XXXX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX While I am aware some accounts are mine. Some are not and I have followed what I should to have these removed and nothing has happened.

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 2017-08-30
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account with Optimum Outcomes need to be returned back to XXXX. For one it was a XXXX visit I left and never saw a Physician. I am XXXX since XXXX so XXXX should have submitted it to XXXX. Social Security submitted all this to XXXX. So the miscommunication is with XXXX billing Department. XXXX did not send me anything regarding this charge, because I would have disputed this balance, Because I was only XXXX and the wait was to long so I left I did not see a doctor. XXXX would need to submit this back to XXXX for they could submit it to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: CT
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:
This is in accordance to the Fair Credit Reporting Act. XXXX account XXXX and XXXX XXXX XXXX account XXXX. 

15 USC 1681 602A I have a right to privacy.

15 USC 1681 604a sec 2 states consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My two student loans were consolidated under XXXX XXXX XXXX in XXXX of XXXX at a combined total of {$41000.00}. Several times I inquired about how payments are applied and my balance. At XXXX point, XXXX XXXX, XXXX, I had paid a total of $ XXXX.Of this amount, {$230.00} has applied to late fees, {$15000.00} has applied to interest and the remainder of {$2600.00} has applied to the principal balance of the loan bringing it down the balance only {$39000.00}. Incredible, so after 7 years at that point, I'd only paid off less than {$3000.00} of the principal. Doesn't add up. 

I inquired about extra payments I made and received this statement, " We are unable to apply funds to the principal balance unless the late fees and the unpaid interest is satisfied. Therefore, if you are making extra payments or payments above and beyond the minimum monthly payment we can not designate for those funds to be applied directly to principal unless the above information has been satisfied. '' Very confusing statement as if I do not have any late fees or unpaid interest after making payment, anything extra should go directly towards the principal. I made extra payments often. Never the case. Most late fees came from issues with the site and payment processing. 

In XXXX XXXX, my loans were transferred to Navient by XXXX. I'm having a similar issue with payment calculations. As of today according to Navient, XX/XX/XXXX, I still owe {$44000.00} over the next 13 years until XXXX on top of nearly the $ 25,000+ I've paid between XXXX and Navient. To add insult to injury, Navient marked my first two payments late even though I was never notified of the due dates or anything of that after they were transferred. I received an email stating I'd receive information and the next communication I received was an overdue notice. 

This is unacceptable and unfair to the consumer because there is little we can do to rectify the situation. It doesn't take a genius to see what's happening as payments are applied in a fashion to keep the consumer in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XXXX XXXX XXXX XXXX, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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 2018-08-08
Company: EQUIFAX, INC.
State: CA
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 CFPB complaint ID ( XXXX ) status was closed today ( XX/XX/2018 ) and I received an email about that.

You guys said, " The status was marked as a duplicate complaint on XX/XX/2018. This complaint appears to be a duplicate ( Previous CFPB complaint ID # XXXX.to EQUIFAX ) of a complaint we've already received. We've included a reference to this complaint on that record. '' I don't know if you guys read my attachment file correctly, but I don't think it was supposed to be duplicated. I'll attach documents one more time. Please carefully read my attachment from XXXX XXXX  this time.

I will file a complaint again because it has not been resolved yet. Anyhow, I have received a confirmation letter ( Ref ; Attachment ) from XXXX XXXX on XX/XX/2018. They said, " In your letter, you indicated our credit furnishing is still showing as Settled in Full. We regret any inconvenience this matter may have caused. As a result of your inquiry, we have asked the credit reporting agencies to update their records regarding your Ally auto account to reflect it as Paid in Full. '' But after 30 days I looked at the credit reports for each agency and found out that they were still not yet correct.

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXXXXXX 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 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
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: MI
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:
On XXXX XXXX XXXX XXXX, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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 2023-04-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please look at the attached documents thoroughly as the personal information you are reporting is not mine.

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 2023-03-16
Company: Bread Financial Holdings, Inc.
State: PA
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:
Purchase was made from merchant On XX/XX/XXXX Purchase was canceled the next day XX/XX/XXXX Called XXXX XXXX XXXX Comenity to dispute charge on XX/XX/XXXX Dispute was closed in XXXX without notification. 
I have made serval attempts with the merchant as well as the credit card company for a refund. 
Merchant has stated via email, a refund was requested and would be issued. It is a {$940.00} charge that still is showing on my card, and XXXX Comenity does not seem to want to assist in refunding the money back to my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-12
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I received a letter from XXXX on XX/XX/2010.This letter said my loans had been paid in full. Along with this letter it explained the national credit bureaus was going to be updated and removed from default status. I soon found out this was untrue. I was contacted by a company called Navient. I was wondering why i was repaying for a loan that had been paid in full. Navient explained they had took over for XXXX. I provided the same letter that was sent to me from XXXX. Navient never removed and they are destroying my credit and it has impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
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:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/2022

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 2018-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is regarding my Chase Slate card. I have had this card since XX/XX/XXXX. 

I charged a large amount soon after I got it, for Church donations. 

I made my minimum payments. 

If I missed one, it was never delinquent long and I have been a valuable customer. 

I paid OFF my entire card in XX/XX/XXXX - $ 26K plus, cash. I didn't however know there was still some interest to pay, and I found out shortly after I needed to pay + {$300.00}, which I then did. 

In XXXX I did a balance transfer. That is the first one I ever did. Very shortly after this, my account was closed. I was not notified of this, I tried to use it - it didn't run - so I called and found this out. 

I then called and was a bit shocked. I recently found out about the Executive Office and called then to voice how odd this was. They gave me a case # and said they'd look into it. Today I got a call back that the " resolution '' was that my card would remain closed due to " delinquencies '' and " revolving balances ''. 

The number I called was XXXX. The person who I was dealing with was nice, and I know this is not her fault. 

The delinquencies are minor, and I pay my bills and am an honest person. 

Again, I paid Chase XXXX and then a few months later they close my account. 

The thing that makes me more concerned is that this card has only been used to support my Church. So now I am thinking this has something to do with my religion.

The balance transfer that was done RIGHT before my card was closed, was to my Church.

I am going to continue to look into this until it makes sense. Any help you can provide would be appreciated. 
( I put Chase Slate MC as there was no option for VISA, mine is a VISA )

Company response to consumer: Closed with explanation