BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-03
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I received a credit alert that a new collection account in the amount of {$110.00} has been added to my XXXX  credit report ( I assume it will be added to my XXXX and XXXX reports as well ). The  company listed is I C Systems Collections. I have never received any communication from this agency ( no letters, phone calls, etc. ), and I have no knowledge of this debt/account. The placement of this collection on my credit report has dropped my credit score 49 points. I would like this information removed from all three of my credit reports as soon as possible.

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 2021-11-27
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:
Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account.

Under 15 US Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports, no consent is identity theft.

Under 15 US Code 1681i ( 7 ) Method of verification this is in violation it was reported without valid evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from XXXX stating they need to confirm I would be home to serve me papers from another agency. I asked for that agencys information and they gave me a number to call, XXXX. My call was answered by XXXX who had the last four of my social my maiden name only and simply told me they were going to garnish my wages for the amount of XXXX which the original balance was XXXX the remaining is their legal fees. I asked for further information and was given an account number of XXXX which i called Bank of America about, and did the same 4 years ago when a collector tried the same thing, and again they have no records of me having a negative debt with them. I have an account with them currently. I asked her the date on the account and its from XX/XX/2006, that is when it was closed. When I asked for more information she got hostile after I told her that it wasn't a legitimate account, and just said I will be served and have to go to court and hung up on me. I tried to call back and could not get anyone to answer after the phone kept ringing for 10 minutes. I used my XXXX XXXX account to call from a different number and within 30 seconds XXXX answered and I asked the company name which was given to me as XXXX and said it wasn't an Acronym. I asked for an address and they hung up.

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 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX, I have a new job that I recently started I had a chance to see my credit report and seen unrecognized addresses on my credit file. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Applied for bank promotion of moving {$10000.00} in new money into a Marcus savings account and holding for 60 days after enrolling on XX/XX/XXXX. For doing so, I would receive {$100.00} interest. I had completed the requirements and waited until XX/XX/XXXX to verify why the promotion had not been paid to me. Upon calling in, I was advised that I had withdrawn {$10000.00} on XX/XX/XXXX, which supposed invalidated me for this promotion. 

As I got the offer via email, there is nothing in the offer that indicates that removing funds would invalidate this promotion in any way. 

See below for language : Annual Percentage Yield ( APY ) as of XX/XX/XXXX. APY may change at any time before or after account is opened. Maximum balance limits apply. A maximum of six ( 6 ) withdrawals or transfers per monthly statement period are allowed. 

Offer valid from XX/XX/XXXX to XX/XX/XXXX. To qualify for the {$100.00} Savings Bonus, you must first enroll in this offer at https : //www.marcus.com/us/en/savings/osa-savingsbonus-1 or by calling Marcus at XXXX  ( XXXX  ) by XXXX XXXX EST  on XX/XX/XXXX. Upon successful enrollment you will receive a confirmation of your enrollment via email or U.S. mail. 

After enrollment, you must deposit {$10000.00} or more in new funds ( internal transfers wont count ) into a Marcus Online Savings Account within 10 days of enrollment and maintain at least {$10000.00} of those new funds in your account in addition to your account balance at the time of enrollment for 60 consecutive days from the date of reaching the required dollar amount. Multiple deposits are allowed to reach the required dollar amount and can be made by joint owners for a joint account. 

Offer available to new and existing customers. Each customer is limited to one bonus offer, which can only be applied to a single account. For eligibility purposes, each joint owner will be treated as a separate customer. For example, if you apply the bonus offer to a joint account, the remaining joint owner ( s ) may apply this offer to another account they own if they have not done so already. 

The bonus will be deposited into your account within 14 days after fulfilling the above requirements. To receive your bonus, your account must be open and in good standing at the time the bonus is deposited in your account. The bonus will be treated as interest for tax reporting purposes. 

We reserve the right to modify or revoke this offer at any time without notice. If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this offer, you will not be eligible for this offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02
Company: ALLY FINANCIAL INC.
State: LA
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 HAVE FILED A DISPUTE IN REGARDS WITH THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS & I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

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 2021-02-23
Company: EQUIFAX, 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:
Accounts that are not mine are being reported on my credit report XXXX there is no balance but this account does not belong to me. 
XXXX XXXX balance {$750.00} being reported but account is not mine. 
XXXX account does not belong to me. 

Paid for deletion and is still being reported : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$180.00} XXXX XXXX was included in bankruptcy but still being reported negatively. 
XXXX XXXX XXXX  payment history being reported inaccurately. 30 day late payment. Account was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The home in question was purchased in XX/XX/XXXX - the original loan was serviced by XXXX XXXX XXXX XXXX - there were 2 loans that XXXX was holding. XXXX put a lien on the property for both the first and second mortgage. When XXXX closed - the loans were transferred to XXXX XXXX. We were notified that the 1st mortgage would be cancelled and the second mortgage funds had to be paid and the mortgage company ( XXXX ) also told us that they will stop paying the insurance and the taxes on the home. Subsequently - the XXXX XXXX company also closed - and 1 loan was transferred to Ocwen - this would be the 2nd mortgage that was transferred over to Ocwen and the amount was paid in full. However the 1st mortgage, that was cancelled, was never removed as a Lien on the Property. We were informed that Ocwen took over for the XXXX XXXX XXXX and that they would be the holder of the loans now. We have requested Ocwen to verify the cancellation of the first mortgage and requested that Lien on the property be removed. Ocwen 's more recent reply on XX/XX/XXXX - that they have no information on the 1st mortgage and can not verify the existence of the 1st mortgage and they do not have a point of contact for XXXX to confirm the same. Please advise on what to do to resolve the issue of removing the lien from the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint is in regards to three employees a part of the US bank branch in Ohio who are a part of the US bank enterprise unit. Today Sunday XXXX XXXX I became aware that XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested for my newly opened US bank account and temporary card which had my funds on to be blocked. The actions that they have acted on were very inconsiderate of the stress that they have caused me. While on the phone speaking to different reps. For hours regards to this matter a representative was able to come to the conclusion that XXXX requested to be the only one to be able to release the hold and not be available to contact on Friday, Saturday and today Sunday. All today XX/XX/2020 I have been talking to reps. At US Bank trying to research why those employees above requested for my funds to be marked as supposedly claiming " Fraud '' to purposely caused me distress and not be able to access my funds. I'm highly upset with this matter and want serious action to be taken against those three employees who have caused me such unnecessary stress during an already tough time for everyone. In the final research that the employees did via over the phone they were able to discover that XXXX XXXX XXXX had put in notes that my previous charged off account was not paid for which is inaccurate information. The previous charged off account was paid for in full in cash at a local US Bank branch located in my resigned State of XXXX California. I was also provided with documentation that shows that the payment had been completed and accepted on XX/XX/XXXX of 2020. Now is not the time for employees like XXXX XXXX, XXXX, XXXX XXXX XXXX along with XXXX XXXX XXXX. To not do the necessary process of research before making a claim all of these issues could have been avoided if they had taken the important steps to do research. Mistakes like such should not have taken place at all especially during these unpredictable times. And considering that us bank is a financial institution a MISTAKE LIKE THIS SHOULD NEVER TAKE PLACE.This very stressful situation has changed my whole experience and perspective on continuing banking with US bank.

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 2018-03-05
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The Department of Education decided -- without payee authorization -- to put loans in forbearance for all those who were " affected by the CA wildfires. '' However, they did this by providing a list of zip codes to the loan servicer without actually verifying whether or not I was actually impacted by the wildfires. I was not impacted by the wildfires and I did not want my loan put into forbearance. Because it was put into forbearance without advance notice to me and without my authorization, I now incur an additional month of interest, an additional month of payment, and I must serve an additional month in federal service to qualify for PSLF. 

This same thing happened to almost every military borrower in the XXXX XXXX metro region, and I am certain that many were unaware of the change. This causes an undue, unauthorized hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: U.S. BANCORP
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputing amounts for a credit card that was opened back in XXXX. US Bank is still reporting information incorrectly on credit report. Resolved debt and still has not taken action to delete. 

Last date reported activity : XX/XX/XXXX Amount : {$590.00}

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 2020-12-02
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am requesting a pay-off statement of the TOTAL amount due as of XX/XX/XXXX I am not sure if it matters the the statement you sent is referring to XXXX XXXX XXXX XXXX NY. The correct address is XXXX XXXX XXXX XXXX, N.J. Please provide a full and complete pay-off statement with all the transactions leading up to XX/XX/XXXX I am attaching some of the checks that were paid to this mortgage and need to seen the deductions. I get the feeling that the buyer finds out that their is no financial activity going back to the original XXXX purchase XXXX XXXX XXXX XXXX  XXXX XXXX XXXX mortgage and the buyers senses something is wrong then declines making it next to impossible to sell the property. Right now XXXX XXXX XXXX XXXX  who acquired XXXX XXXX XXXX XXXX has no financial history on the property at all. Records show the mortgage was NOT filed. In addition XXXX XXXX XXXX has produced no release of the lien or discharge record. I contacted XXXX title and they requested my copy of the title policy that doesn't come anywhere near the deed location. 
I have requested XXXX XXXX XXXX XXXXrward me a copy of any financial record paid to XXXX for the mortgage and they have not produce anything that proves that they paid for the mortgage in the first place. 
Please correct the property address and send me an electronic copy of the complete pay-off statement from the very beginning using the pay-off date as XX/XX/XXXX PLEASE TAKE A LOOK AT THE ATTACHED MIN INFORMATION AND THE DATES ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: STONEGATE MORTGAGE CORPORATION
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: Account information incorrect

Complaint:
Stonegate Mortgage merged with XXXX XXXX XXXX. They suspended credit reporting last XX/XX/XXXX due to their merger, and they have told me they would resume reporting by XX/XX/XXXX. All payments have always been made right on time at the first of every month. My credit reports still show Stonegate Mortgage with the last payment date of XX/XX/XXXX and the balance as of last XX/XX/XXXX. I have repeatedly attempted to correct this via both email and telephone. XXXX XXXX is either unwilling or unable to report my payment history and balance correctly. My latest credit reports dated XX/XX/XXXX remain incorrect, with no history since last XX/XX/XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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:
5th attempt to remove this ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Dyck-O'Neal, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dyck O'neal is a debt collection agency. They have purchased a debt and reported it as open installment accounts. They have dishonestly reported an account ( ending in # XXXX XXXX to all the reporting agencies. They are currently reporting this as a part of a bankruptcy that was discharged in XXXX yesterday the account as opened in XXXX XXXX. I have disputed several times and they continue to change the data inaccurately, fraudulently and misleading. To find out this is in fact an attempt to collect a debt. They are reporting it as an installment which it is not. Dyck O'Neal is plainly titled as a collection agency, not an original creditor and has not validated any debt owed. I have received no information from this company via mail or otherwise to resolve any debt with them, which is failure to notify according to FCRA regulation. The attached document shows the mid information and their refusal to remove it is violating the FCRA. They continuing to submit information that they know is incorrect, and XXXX, a XXXX, and a XXXX  has allowed this defamation. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding a debt with Midland Credit Management. It stated in a letter the original creditor was XXXX XXXX. I sent a letter to Midland Credit Management last year via USPS mail asking for validation of the debt. As of today, I have not received any legitimate validation. I have know knowledge of this debt and disputing this debt. I understand its a pandemic, and things are a little slower, but its been almost a year since I asked for this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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: Information belongs to someone else

Complaint:
5th attempt to remove this ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX XXXX XXXX Account 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 2017-08-03
Company: STERLING JEWELERS, INC.
State: GA
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: Didn't receive services that were advertised

Complaint:
I went into a Jared Jewelry Store at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX  is reporting inconsistent information to he 3 credit Bureaus. They are reporting different account descriptions. XXXX  and XXXX  are showing closed and Equifax us showing derogatory. All 3 bureaus has to be consistent and they are obviously not. So what im asking for that this acoount by XXXX XXXX  be deleted from all credit bureaus!

Company response to consumer: Closed with explanation