BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unverifiable information on my credit report. To this day, which is over 30 days later and I am yet to receive a response. As this is not my first time trying to resolve this matter, I feel as if I am being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it clearly states that a failure to investigate these items in 30 days give a reason to immediately remove those items from my credit report. It has been over 30 days and counting, so they should be deleted promptly. I demand that these accounts be deleted immediately, or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is something crazy with my credit! I made a report after I noticed that there is more than 1 account on my credit report that is not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.

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 2020-12-15
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, Cash transfers from an unknown CashApp account were attempted using my XXXX. I am notified of every transaction immediately, so I was able to call XXXX within 5 minutes, from XXXX where I was when this happened, to block the transactions. One was in the amount of {$300.00} and the other for {$600.00}. 

I checked my personal account and did not see these transactions, but somehow the XXXX linked to my account was used by another CashApp account holder. When I called, CashApp walked me through securing my account but was not able to confirm being able to remove my card from other accounts and closing those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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:
id theft victim these reporting accounts are not mine XXXX XXXX {$51000.00} not mine XXXX   XXXX  {$260.00} not mine XXXX  XXXX  XXXX  {$6300.00} not mine XXXX   XXXX, XXXX / XXXX  {$11000.00} not mine XXXX/XXXX  {$4700.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: TX
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Oasis Legal Finance Holding Company, LLC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I was told that an underwriter was deciding my case and I waited 7 days to hear an answer and on the last day I got two different answers one was they were still deciding and a minute later I was told Oasis do not deal with product liability cases in Louisiana but their advertisement says something different and I'm waiting for my lawyers to answer on what Oasis told them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Westlake Services, LLC
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: Investigation took more than 30 days

Complaint:
Westlake Financial is reporting Account # XXXX for {$9100.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this XXXX to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with XXXX and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided an Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address indicating that the account is not my account. XXXX has denied to release the results of their investigation as well as denied the deletion of the account from my 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 2023-02-08
Company: First Advantage LNS Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. No one has provided me with anything showing what this is for or my signature. I only lived in XXXX for the past XXXX  years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Two hard inquiries to my credit report on Transunion- significant negative impact to my credit report, which I am trying to improve so I might purchase a home. 
These two inquiries were made consecutively, without my consent or knowledge on XX/XX/XXXX, and XX/XX/XXXX, of 2019. They were made by a company called XXXX, from XXXX FL.

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 2023-10-04
Company: TransferWise Ltd
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX, I went into my personal banking application ( XXXX ) and noticed we had a reduction to our personal checking account of {$2000.00} from Wise.com on XX/XX/2023. I checked all other accounts on my XXXX accounts and wise.com also had a reduction in our XXXX savings account of {$2000.00}. Both of these accounts are Joint accounts shared with my wife. We both discussed and do not have wise.com accounts or any other reason for us to have the reductions in our accounts. We reached out to XXXX and they are working to remedy. My wife and I each have individual checking and savings accounts through XXXX and didn't have any fraudulent activity in any other accounts other than our joint checking/savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I began disputing inaccurate information on my credit report XXXXXXXX XXXX XXXX with all three credit bureaus. I thought they were to only report what was accurate. I asked them to send me investigation information seeing that neither of them were reporting the same info. Nothing has changed and it's harming me financially. I can ask for monetary remedies, as they're violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Called customer service to ask for a forebearance, was directed to hold for over 4 hours with no human answering to deal with my inquiry, and during the holding an automated message directed me to a nonexistent concierge service for scheduling a callback. All of this happened between the hours of XXXX and XXXX CST on  XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On Friday XX/XX/19 it was brought to my attention on my credit report that my student loan balance went up from {$1000.00} to {$2400.00} without any notice or reason. On this same day i also noticed that my payments ( which i have not been delinquent on ) had increased from a monthly {$20.00} to  {$100.00} also without notice or reason. I attempted several times between Friday and now ( Thursday of the following week ) to get in touch with my loan service to no avail. My loan is Serviced by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$340.00} XXXX {$160.00} XXXX {$590.00} XXXX {$300.00} XXXX {$20000.00} XXXX {$500.00} XXXX {$30000.00} XXXX {$120000.00}

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-24
Company: Applied Data Finance, LLC
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have requested closing documents for the sale of my property which occurred on XX/XX/19. I requested the sale documents on two different occasions but have not received a response from Bayview Loans Servicing, LLC.

Nor have Bayview submitted all of the documents that were sent to me from XX/XX/19 to XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: GOLDMAN SACHS BANK USA
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: Reporting company used your report improperly

Complaint:
This matter concerns the Consumer File or Report of XXXX XXXX XXXX ( of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) found with XXXX & XXXX and no other matter. 
The following dates are instances where Goldman Sachs accessed or otherwise requested or purchased the consumer report without permissible purposes or written consent from the consumer. 
Pursuant to 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports, the following transactions were not authorized by the consumer via written or other consent. 
XXXX GOLDMAN SACHS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDMAN SACHS BANK 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 GOLDMAN SACHS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE GOLDMAN SACHS GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My debt is with XXXX and my XXXX credit card was closed before it went to XXXX XXXX. So I get a letter from Sherman Originator lll, LLC XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, I thought I just settled this, I have no money no job and I'm not receiving any government help like snap or food   stamps. I be been laid off and never return to a job for 17 years. My future of money or income is of no guarantee. Any assistance I do receive will be to pay for food and shelter. Again I have no assets. There's too many people trying to sue me one person for money I will never ever ever get a credit card again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX - Started new job in Arizona due to losing one in Michigan XX/XX/XXXX Spoke with Bank of America Customer Service about options to sell home in Michigan XX/XX/XXXX Loan modification already done so transferred to me short sale department XX/XX/XXXX Sent letter of explanation to BOA as to what the intent for the property was XX/XX/XXXX Sent letter to BOA giving permission for them to speak with realtor XX/XX/XXXX Sent short sale packet to BOA XX/XX/XXXX XXXX ( realtor ) sent documents for signatures so he could list property as short sale which led me to believe BOA approved the short sale XX/XX/XXXX I called BOA regarding progress of short sale via short sale department XX/XX/XXXX I was informed BOA transferred our loan on XX/XX/XXXX to XXXX Mortgage XX/XX/XXXX I called XXXX XXXX  and was transferred to account department and told loan counseling department I had a realtor. I was told to send 3rd party authorization for realtor to speak with XXXX. XXXX informed me I had to start all over with short sale proceeding due to BOA not transferring any of the paperwork over I had sent in XX/XX/XXXX. 
I worked with BOA to get them the requested documentation in a timely manner. I was under the impression a short sale was underway considering the realtor was now involved, had contact with BOA and sending paperwork regarding seller disclosure. It was a great disappointment to find out I may have to begin the process all over again after being led to believe the home was listed already. I did everything in my power to get this taken care of by the end of XX/XX/XXXX. I was even contacted by BOA a few times regarding the account and I informed them the home was in short sale status. At no point in time did anyone from BOA inform me of anything different. It appears as though BOA dropped the ball on the short sale, failed to keep me informed of where we were in the process and then transferred the account without transferring the short sale packet I had sent as if absolutely nothing had been done with BOA for a short sale.

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 2023-01-30
Company: Navient Solutions, LLC.
State: NC
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:
Illegal Reporting of late payments to my consumer credit reports without my permission. Violation of code 15 US 1666B- Billing errorXXXX XXXX XXXX Navient, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. 

This was included in my bankruptcy!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I went to TransUnions website on XXXX XXXX, 2017 to obtain a free credit report at https : //www.transunion.com/annual-credit-report. See attached pdf which shows picture of misleading website intentionally designed to fool people into ordering a service which they do not want and which is very difficult to cancel. 

If you go to the site you will see that they advertise a free annual report. They mention it being free several times in the paragraph that follows and there is a button to order a Trans Union report and score to the right of their description about the free services. I clicked on the Get your credit report and score button. It brought me to a three-step process which I completed. The process required that I provide them a lot of details about myself including verifying my home mortgage and even entering a credit card number. It did not occur to me that I was entering my credit card number for purposes of being billed for any type of service. I was surprised when I received an email that stated that I had enrolled in a monthly credit monitoring service for {$19.00} per month. 
I contacted Trans Union today and spoke with 2 individuals who assured me that it would be easy to have the service canceled. I went online and am not sure that the service was even canceled. 
I am very concerned that I have been victimized by Trans Union and that many other Americans are also going to be victimized by Trans Union particularly after the XXXX situation where many of us are wanting to run a credit report to see if we have been victimized.

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 monetary relief