BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, In XX/XX/XXXXI filed chapter XXXX b.k. with my spouse. My primary home loan and house was with XXXX XXXX XXXX. From XX/XX/XXXXforward XXXX did not report any activity on my account. In XX/XX/XXXX XXXX sold my mortgage to another lender. When that happened I was getting flashes from XXXX XXXX, XXXX XXXX, and other credit agencies that I had a fresh new bankruptcy. The only b.k. I had was inXX/XX/XXXX. I went into the branch of XXXX here in XXXX. The manager had me talk with the mortgage department via telephone. The person on the other end stated they marked my account twice. Once as closing it. Once as stating it was part of a bankruptcy. XXXX refused to change their two remarks regarding the sale of the mortgage. I complained to Trans Union via a letter and never heard back from them. It has been close to 60 days since that written complaint. It seems as though assets and accounts in bk are to be reported once. As part of the bk. Not as a fresh bk which drove my credit score down by over 30 points on Trans Union. It is false information which no one will take responsibility for. I would appreciate any help you can provide. 
Thanks, 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 2023-08-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
EQUIFAX DOES NOT REMOVE THESE CREDIT CHECKS FROM MY HISTORY. I ALREADY SENT THEM REQUESTS FOR UNAUTHORIZED REVIEWS AND THEY HAVE NOT REMOVED THEM.

XX/XX/2022	XXXX XXXX	
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX		


XX/XX/2022	XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX		


XX/XX/2022	XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company is attempting to collect a debt that is not valid, account was paid in full and closed by me. I have submitted proof of my claim and have requested proof from collector. Collector has only provided me a statement from the original account, the original account has obviously made a mistake of over billing, not my issue. I closed my insurance account, paid the final balance and provided proof of new insurance policy to original creditor. Not reason for additional billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied for the XXXX Credit card on my XXXX through the XXXX app and have been denied both times because my " identity can not be verified ''. I am using a California Real ID which has XXXX  HSA requirements to verify I am who I am. 
My Real ID has a PO box and Goldman Sachs will not accept a PO box but does not provide an additional physical address box when applying. I live in a rural area that doesn't not deliver to my physical address which is why all my IDs have PO boxes -- it is the only way I can receive my mail. 
I tried calling the XXXX Support and all they say is that a physical address is needed but my ID only has a PO box . Endless circle to nowhere. 
My only other Credit Card has an available limit of over 20K so I think I have sufficient good credit history ... 
Goldman Sachs and XXXX need to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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: Account information incorrect

Complaint:
all three reporting agencies XXXX, Equifax, XXXX XXXX are reporting erroneously my student loans. They made a change between XX/XX/XXXX and XX/XX/XXXX showing my loans all increased when all loans were suspended and it caused a drop in my credit score of XXXX points. I have recieved notification from XXXX XXXX Department of Education that all my loans have been discharged. I am providing documentation. All my loans should reflect XXXX balance per the attached statement. The agencies are reporting incorrectly this is having a negative effect on my finances. The reports need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/2018, I submitted paperwork to Equifax about incidents of Identity Theft, as of XX/XX/2018 they still have not removed the fraudulent data from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Account status incorrect

Complaint:
On XX/XX/2023, I received notification from the credit bureaus that my XXXX XXXX card was reporting a late payment of {$6.00} which was incorrect. I paid the entire balance of the card in XX/XX/2023. XXXX XXXX agent informed me there was an outstanding balance of {$6.00} which was not included in the payoff which was error and that they will correct the credit bureau and waive all fees. I never received any statement showing an outstanding balance NOR received any communication from XXXX XXXX. 

Additionally, based on this incorrect late payment reporting XXXX XXXX decreased my credit line on my additional credit card. Furthermore, causing me to receive adverse action on my credit bureau. Per XXXX XXXX, it was lowering due to the credit reporting agency has reported a recent credit delinquency ie my XXXX XXXX card. The agent says there is nothing they can do but to submit a credit limit increase even though the error was their fault. This has severely impacted my credit due to the credit utilization score. XXXX XXXX needs to remove the credit late payment and adjust my credit line back to the original amount to make me whole.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 did an online dispute with the XXXX credit bureaus XXXX and XXXX expunged the account XXXX XXXX XXXX is still reporting to TransUnion that I have an outstanding balance of {$660.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I did an online dispute in the month of XX/XX/2022 I mailed a dispute to XXXX XXXX XXXX and a dispute to Trans Union which they say is under investigation and for some reason XXXX XXXX XXXX has not updated their information since XX/XX/XXXX showing that I have a outstanding balance with them of {$660.00} in which I do not have a balance with them at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied and was approved for the Capital One Walmart Rewards Credit Card on XX/XX/2020. However, on XX/XX/2020 I attempted to purchase a Visa gift card and a grocery snack item at a Walmart in XXXX Mississippi using Walmart Pay with my linked and aforementioned credit card and the transaction was declined. The cashier was able to print a record of why the system had declined the transaction, which was that an invalid payment method had been used. Strangely enough, when the Visa gift card was removed from the list of items I was purchasing, the transaction was approved immediately. 

This circumstance proves that Walmart Pay would not let me purchase a Visa gift card using their payment service. However, that stipulation was never presented when I applied and was approved to use the Walmart Pay service. Walmart Pay is blatantly neglecting to disclosure significant terms to their payment service and is discriminating against those purchasing gift cards. I never accepted any term that prohibited gift card purchases using Walmart Pay and therefore this unfair practice is illegitimate and without legal merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: SANTANDER HOLDINGS USA, INC.
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a car loan with Santander when I was a single mom to XXXX kids and struggling to provide for them. I was given a car loan with insanely high and predatory interest rates, and ended up defaulting. There is now a class action lawsuit regarding this and part of the suit is that any derogatory remarks in my credit report be removed. It is showing as delinquent with a charge off amount, which should be corrected per the lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Experian Information Solutions Inc.
State: IL
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:
ON XXXX OF 2018 SOMEONE OPENED AN AUTO LOAN IN MY NAME WITHOUT MY AUTHORIZATION. IVE TRIED CONTACTING THEM SEVERAL TIMES TO RESOLVE THIS ISSUE AND THEY HAVE NOT RESPONDED NOR REMOVED FRAUDULENT ACCOUNT FROM MY EXPERIAN CREDIT REPORT..

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 2022-08-05
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CREDIT MANAGEMENT LP Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CREDIT MANAGEMENT LP Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: HCFS Healthcare Financial Services of TeamHealth
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:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit scorXXXX. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2023-05-30
Company: EQUIFAX, INC.
State: NM
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, 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: Flagstar Bank, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Basically, my social security number was ripped globally ... probably. 
The mafia stole my identity because I know a criminal that recently passed away that had my social security number and XXXX password for quite some time. 

That is just for starters you might want to check student loans and car loans and bank accounts etc XXXX XXXX issued a card to XXXX ( revolving charge account ) in XXXX wisconsin a few years back and random stuff popped up on my credit reports from each credit agency. 

Loans ... addresses.. random stuff that I need " nipped in the bud. '' please help .... i ghostwrote for the music industry as well. ( made XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America Home Loans is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices by fanning a Loan Modification, then denying to wit without proper notification. 

This type of behavior of deflecting the homeowners attempts to get a fair loss mitigation resolution and is therefore an unfair business practice. 

Bank of America Home Loans is engaging in deceptive and misleading practices in regards to this loan Modification by arbitrary and redundant conditions. 

XXXX XXXX first mortgage at since XX/XX/XXXX at Bank of America Loan number XXXX is a federally insured XXXX XXXX with a principal balance of XXXX XXXX with rate of 6.25 % monthly payment of {$1100.00} and a second mortgage loan number XXXX XXXX XXXX with a principal balance of {$36000.00} at interest only rate of 6 % and a monthly payment of {$180.00} with a balloon payment of {$36000.00} due XX/XX/XXXX. 

XXXX XXXX fearing the looming balloon payment of {$36000.00} which she does not have contacted Bank of America to request help and inquire as to her options. To which there only offer was to apply for a loan modification which she did in XX/XX/XXXX. 
XXXX XXXX received a letter dated XX/XX/XXXX stating that we regret to inform you that based on careful review of the information you provide, you dont meet the eligibility requirements to qualify for a loan modification. However, youre qualified to pursue a short sale. Weve included more information about your shot sale option and reason ( s ) why your loan isnt eligible for a modification in the enclosed Results of Your Evaluation section. Exhibit A. YET THE IS NO SPECIFIC REASON GIVEN. 
A short sale is a sale of real estate in which the net proceeds from selling the property will fall short of the debts secured by liens against the property. 

Exhibit-B is Bank of America AVM dated XX/XX/XXXX7 for loan Number : XXXX with the estimate value if {$290000.00}. 
Exhibit C Mortgage statement dated XX/XX/XXXX the 1st mortgage prinpincal balance is {$180000.00} minus the value of {$290000.00} equals 62.85 % LTV or equity of {$100000.00}!

Exhibit D- Mortgage statement dated XX/XX/XXXX the 2nd mortgage prinpincal balance is {$36000.00} equals a total balance due of {$220000.00} equals 75.30 % CLTV or equity {$72000.00}.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: NV
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 FURTHER Complaint that I was the victim of identity theft, Experian and XXXX Credit Bureaus don't care at all that I want to dispute these XXXX ACCOUNTS in my credit file. XXXX! How often do I have to tell them that these accounts are NOT MINE? Please DELETE the following accounts listed below. 
XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00}.

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 2019-09-09
Company: ALLY FINANCIAL INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT authorize this inquiry. I did not give permission for my social to be used to obtain this inquiry.

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 2019-09-09
Company: Exeter Finance Corp.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT authorize this inquiry. I did not give permission for my social to be used to obtain this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: WI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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