BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a letter from Equifax stating that they had a data breach in XXXX and that my information was leaked in that data breach. I received this notice in XX/XX/XXXX. Since then I have also received several other communications from different companies stating that my information has been breached. The IRS has sent me a notice stating that someone has filed taxes for me. XXXX sent me a notice saying that my information was leaked during their data breach. An old employer sent me a notice saying my information was late during their data breach. I have filed a report to the FTC and my local police department for all of these incidents. Equifax has not handled any of this properly. I never receive my full credit report. And when I do it has very different and inaccurate information on it including but not limited to my name addresses accounts and they also have four separate accounts for me with my name spelled differently one of them in the country of XXXX when I reside in the United States. All using my same Social Security number. XXXX XXXX is quite the same scenario. I am unable to resolve any kind of issues with any of these credit bureaus. This is including Equifax XXXX and XXXX XXXX. I have documentation to support my position if needed. Please advise what the next steps are that I have to take. Thank you so much for your time. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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.

has violated my rights. Or list of inquiries 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 seven 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 2023-06-24
Company: Experian Information Solutions 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: 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. 

The letters are stated with items and issues. 

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 seven 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 2023-06-08
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Goldman Sacs - Apple Card. 

Im going through a financial hardship and Ive repeatedly ask Goldman Sacs for a long term payment plan in order to pay back my balance. They offer the ability to skip a payment and other extremely short term options that are of absolutely NO help. Ive probably called them 20 times asking for help. I explained how other banks are closing the account and reducing the interest rate to XXXX and allowing a long term plan. They repeatedly tell me that I would have to wait until the system says Im eligible and then today Im told I had to wait until Im 180 days delinquent with my account in order to be eligible for such a plan. That is insane. They want to ruin your credit before you can even be eligible for a long term payment plan with them. This is completely unfair when I am doing everything I can to communicate and keep in touch with them and explain what is going on with my situation. All my other banks have offered so much help but they offer NONE!!! They should be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To, Consumer Financial Protection Bureau ( CFPB ) I have been on Forbearance due to Covid 19 Financial Hardship since XX/XX/XXXX. I have recently signed with Carrington Mortgage a Partial Claim option to go current with my monthly payments and resume making regular payments from XX/XX/XXXX. 

However, I have been informed by my Credit Bureau that Carrington Mortgage has reported that I am late with my monthly payments by 30 days which has reduced my overall credit scores by XXXX points. I had a very excellent payment history that got messed up by Carrington, I have attached a letter that confirms that I should be starting making payments from XX/XX/XXXX onwards not sure why they reported to Credit Bureaus. I have filed a dispute with XXXX and Carrington, however today I have been informed by Carrington that they can not do anything which I have attached, then I called back Carrington and they are giving me hope again but I am unable to trust such false promises anymore and can not continue being swung between my mortgage servicer and the credit bureau. 

Please help, this is against Cares Act, Mortgage Servicers were not supposed to report to credit bureaus to those consumers that are affected by Covid-19 Financial Hardship, and here I want to resume making payments and they are treating me like this. Please refer to my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian, XXXX, XXXX  XXXX XXXX XXXX XX/XX/2016 XXXX  $ - account closed in XX/XX/2016 for XXXX but it shows open not closed and it keeps showin late. 
XXXX XXXX ( fraud asked for signed documents plus proof its me. Never received any proof and its still on my credit

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2018-03-06
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I took out a loan with XXXX XXXX dba XXXX for $ XXXX. Since then I have made all my payments on time that have not been sent to the Investor/Beneficiary XXXX, XXXX, XXXX XXXX, TRUSTEE, XXXX TRUST according to them. Recent cases have stated that the Trustee XXXX XXXX  must inform me in detail of all payments made since XX/XX/XXXX to my loan, including those from XXXX XXXX  XXXX XXXX XXXX. They has been misapplying my average payment for {$2000.00} usd per month and not posting the correct amount to Principal which leads me to believe this is all fraud on the Bankruptcy court. Sometimes they post {$540.00} to Principal and sometimes {$460.00} which is absurd. Also the charge me fees and costs which I know nothing about. I went through a divorce in XX/XX/XXXX and filed for Federal Bankruptcy Protection in XX/XX/XXXX and have made all my post petition payments as agreed since then, but they have posted them to my pre-petition payments which are being made directly by the Trustee. I request that the CFPB audit this loan asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: CARD Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I lost me card on and wallet XX/XX/19 on I reported the card missing onXXXX. someone had used my card at the atm and store in the amounts of {$160.00}, {$100.00}, and {$8.00}. I last used my card at the gas station which I told to the customer card company. I noticed a guy hanging around me when I used the atm and at the store. I keep my pin in my wallet due to a bad memory from a car accident. The bank denied my claim now I am having to move due to not being able to pay my rent.

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 2019-04-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Every time I visit Navient 's website to do anything other than make a payment, there are issues with the site. I have been trying to submit an online in-school deferment. 
I log into my account. 
Click tools and requests Click go to documents & forms ( this link opens another page requiring to log in, only to bringing you back to your main account page ) Instead of being able to easily enter my in-school deferment online as it seems I should be able to do based on their website, I get stuck in a loop that never takes me to the deferment request, forcing me to take a longer process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection company have not sent anything in writing. This company is trying to collect a debt that is not owed, there was a billing error that was never corrected. The collection company said they was going to send information after they do an investigation. No information sent to me but they updated my credit report. 
Trying to contact them via mail no response. I have not contacted them by phone because they want me to confirm I owe the debt. They could never break down the charges and verify if the charges was accurate or if there was an error in billing. 


XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Debt collection Issue : Attempts to collect debt not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got calls from some place called XXXX XXXX XXXX and they said i had a debt with them. I have never did any business with this company and i told them i wanted the validation of debt. They never did that and they didnt call me back and now has hired an attorney to send threatening letters demanding payment. The attorney also put their company name on the envelope and didnt use the mini miranda in their letter. I want them to cease the collections and to pay for the violations of the FDCPA. Lawyers should be held accountable and they are clearly robo signing documents.

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 2022-09-14
Company: Plastiq Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, I submitted a payment to a vendor utilizing Plastiq platform. The company charged my XXXX XXXX on XX/XX/XXXX and immediately afterward canceled the transaction stating " Plastiq can not support this payment category. '' I believe the company would have known the payment category was prohibited before Plastiq charged my XXXX XXXX. 

I have sent 6 emails requesting additional detail and the company refused to reply back. It has now been 10 days since Plastiq claimed to have refunded my credit card. 

Transaction amount {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion was notified several times that I no longer have an auto loan balance with XXXX XXXX XXXX XXXX due to my auto loan being paid in full on XX/XX/2021. However, the auto loan from XXXX XXXX XXXX XXXX is still listed on my credit report as if I still have a current loan.

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 2019-05-12
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Lose my job and they close my account, since XX/XX/2017 now they said that i own a {$4500.00} to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2022-10-28
Company: EQUIFAX, INC.
State: WI
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:
After speaking with Equifax and XXXX and addressing my issue that I have a collection from Account Adjustment that started reporting XX/XX/XXXX, XXXX XXXX XXXX that started reporting on XX/XX/XXXX and XXXX. XXXX XXXX opened on XX/XX/XXXX. I have spoke to them via phone to inform XXXX and Equifax that I wanted this removed on the grounds that this is a violation of my consumer rights per 15 usc 1681 602a which states I have the right to privacy. I also informed Equifax and XXXX that they are also in violation of 15 usc 1604 which states that Equifax and XXXX needs my written instruction to furnish anything on my consumer report. Most importantly Equifax and XXXX has violated their own data sharing policy which states as well the Equifax and XXXX needs the consumers written instruction to furnish items on the consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written 2 dispute letters to The Bureaus, dated XX/XX/XXXX, and XX/XX/XXXX. They have never responded to either of my letters. Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, twice. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the items must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I XXXX XXXX have reviewed my credit reports and noticed I have several un authorized inquiries. I have listed all inquiries with other supporting documents. 

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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