BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: VA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-20
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent Account On Credit Reports. 

1. XXXX XXXX {$4800.00} 2. XXXX XXXX {$7100.00} 3. XXXX XXXX {$16000.00} 4. XXXX XXXX {$3100.00} 5. XXXX XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, I called Marcus by Goldman Sach to close ( 2 ) CD accounts and move the balance of $ XXXX to the saving account that I have with the bank. The staff over the phone told me that the funds would be completed transferring within 24hrs as it is within the same financial institute.

Two days later, on XX/XX/2022, I called to follow up because the funds weren't transferred as I was told. The staff asked me to wait for another day. She had no clue why it didn't happen. 

Another two days passed, on XX/XX/2022, the funds were yet not transferred. It took me over an hour to talk to the staff and manager. The manager said she would escalate the case but can't guarantee the transfer. The phone got disconnected and nobody called me back. 

They did explain that the bank has received high volume of CD closing and the system has difficulties to process the requests. I strongly believe it isn't a valid reason. If it is a bug in the system, bank should solve it. It's unfair to ask the client to take the loss. Both bank and client should proceed as the terms specify. The bank shouldn't and must not deprive the client right 's on his/her money.

As of now, I have spent quite a few hours and it goes nowhere. Most importantly my money is not secured at Marcus by Goldman Sach. The bank isn't doing its duty. 

Please help to bring this issue to the right team and close it ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2022-02-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have sent letters to the credit bureaus in regards to inaccurate and false accounts and inquiries that was and is being reported to my credit report. I am being taken advantage of and ignored. The consumer laws says that failure to investigate these items within 30 days, gives a reason to immediately remove those items from my credit report. It has been over 60 days. The accounts being disputed should be deleted now. I demand the accounts be deleted immediately or i will file for litigation due to the stress these fraudulant items have caused me with no help from the credit bureaus. My personal information was impacted by the XXXX and bXXXX  XXXX XXXX data breach as well as my personal information stolen from my personal possession in XXXX. 

These accounts are adversly affecting my credit report and hindering me from maintaining an accurate report and from obtaining credit. I have filed complaints with the Federal Trade commission and XXXX XXXX XXXX due to these fraudulent accounts becaus I have no knowledge of the accounts. I refuse to keep sending in letter to be told that I am not my self even though I am sending in my License, social security card and a utility bill providing sufficient identity verification AND I have called numerous times in regards to not receiving update to the letters sent! I will not wait another 30-90 days to hope a response/update will come.

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 2019-04-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I agreed to pay XXXX XXXX of XXXX to complete my documentation for student loan forgiveness. They agreed to prepare the necessary documentation and continue to prepare the documentation for 3 years. The cost would be about {$1300.00} with {$50.00} per month payments. Apparently, they use a third party finance company called XXXX XXXX, which I thought were the same company but turns out they just buy the note from XXXX XXXX. XXXX XXXX XXXX is no longer in business and have not completed my paperwork for the loan forgiveness program. XXXX XXXX wants me to continue paying them for a service I am no longer receiving. This is a scam and they are defrauding people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CAINE & WEINER COMPANY, 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: Old information reappears or never goes away

Complaint:
2. 15 U. S. C. 1681c section a4 states, Accounts placed for collection it charged to profit and loss which a sedate the report by more than seven years. The statute provides for a maximum length of time, not a minimum, and therefore violates the Fair Credit Reporting Act and should be removed immediately. Also, attempting to collect a debt written off by the original creditor and sold to a secondary company is unlawful and can not be collected. The continued reporting of this inaccuracy after repeated attempts to correct it has resulted in substantial personal damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: SYNCHRONY FINANCIAL
State: MA
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:
Good Morning! Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of  FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-22
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX/XXXX XXXX XXXX and Experian are in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft  report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. As of XX/XX/2020 this trade line still appears on my Experian credit report when I have on multiple occasions disputed this trade line as being opened without my knowledge or consent. I sent the attached letter to XXXX XXXX XXXX at the address specified by a XXXX XXXX/XXXX XXXX XXXX   representative on XX/XX/2020 at XXXX XXXX to reiterate this along with the attached FTC affidavit via certified mail. Also attached is certified mail tracking information which shows the letter was received on XX/XX/2020 at XXXX XXXX. I subsequently called Total Card/Bank of Missouri on XX/XX/2020 to verify receipt which the representative confirmed. Per my rights under the FCRA I am considering the possibility of litigating this matter if not properly resolved. A XXXX search of XXXX complaints for XXXX XXXX shows I am not the only person that has experienced extreme difficulties in XXXX XXXX/XXXX XXXX XXXX and their credit reporting practices and this seems to be a pattern and part of a strategy to purposely report incorrect information to the credit bureaus.

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 2019-04-15
Company: Phoenix Financial Services LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
awhile before, unrecalled number, date, time, i received a call from what i believe scammer, who gave little information! 
then, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/2019 reported to collections account on my credit report, and intrusively observed all my information and invaded my privacy! 
Didnt verify any debt, pertaining to what, from whom, from origin! 
no rights, no contact, besides phone, of which, by phone, debt collector very quickly hung up, without answering any of my questions! 
XXXX paid by XXXX Credit card XXXX XX/XX/2019 settled {$1200.00} claimed debt for {$570.00} and deletion off of my credit report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please note, I have reviewed my entire account and payment history to date, and it seems Ditech have overcharged my mortgage account and made several fraudulent adjustments to my account on several occasions ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Each time Ditech charged me an additional {$2000.00} instead of refunding the original {$2000.00} that was supposed to be credited to my account per the letter from Ditech general counsel. 

After combing through my account several times, the balance owed to me is {$6500.00}. 

Attached are copies of all calculations supporting the balance of {$6500.00} that is owed to me, plus supporting comments of Ditech fraudulent mortgage lender practices.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have a question about the MLA. I couldnt get gap insurance apparently. So now I have to pay out of pocket for whats left on my Car note. Im not understanding this at all. Who do I need to talk to about this situation

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 2020-09-22
Company: Experian Information Solutions Inc.
State: MA
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:
GOOD MORNING! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
GOOD MORNING! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
Bank of America gave me a line of credit XX/XX/XXXX in the amount of {$750.00} for some reason they closed the line of credit, im guessing XXXX. I did pay the balance off in full, they are still showing up on my credit report as if this is a current account. I disputed this information with the XXXX  Credit dispute, they came back with a decision that the information is correct and now it is reporting that this will not be removed from my account until XX/XX/XXXX. Bank of America can not and will not have any history of me having an active account with them pasted XXXX. THIS ACCOUNT IS OLD, CLOSED AND SHOULD BE REMOVED OFF MY CREDIT REPORT IMMEDIATELY. This information is hurting my 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 non-monetary relief
Consumer complaint received 2019-04-15
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Mr Cooper/Nationstar on XX/XX/2019 notifying them I had received a statement on XX/XX/2019 that I had an escrow shortage of {$430.00}. I paid the escrow shortage in the amount of {$430.00} on XX/XX/2019. My payment was supposed to go down from {$1200.00} to {$1100.00}. There was and has not been any change in my payment even though I paid the shortage. I have contacted them 2 times telling them specifically what the issue was. One time was on XX/XX/2019 and I received an email that I would be contacted in 3-5 business days. After not hearing anything from them and no change for a few weeks I contacted them again on XX/XX/2019 and received and email that I would be contacted in 5 business. To date I have not gotten any response and I continue to be overcharged on my escrow. Ive paid the shortage and they are still charging me the pro rated increased payment even though I have notified them 2 times and provided there own escrow statement to them with the figures and details to support it. They are flat out refusing to adjust it or even acknowledge or contact me. Im simply being ignored and dismissed while they continue to take money from me incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 at XXXX XXXX  EST I submitted a money transfer of {$500.00}. There's was an era with the spelling of the recipient name.. MoneyGram asked me to cancel that transaction and submit a secondary transaction. MoneyGram policy clearly states that all refunds are made with 3-10 business days. I waited that period of 11 business days. I was never refunded my cancelled amount of {$500.00}. I contacted MoneyGram on several occasions and was told that my refund was being processed. After numerous calls finally someone from MoneyGram told me that the refund was processed within 24hrs of the cancelation. That's totally false i have no records of such a transaction my bank has no records of that transaction.

Reference NO : XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: LA
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:
I filed a dispute with XXXX, XXXX, and Equifax about inaccurate reported late payments, I uploaded a two bank statements to validate my dispute, yet no action was taken on my behalf.

Company response to consumer: Closed with explanation