BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: FL
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:
Im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. These consumers reporting agencies are taking a advantage of me.

15 U.S. Code 1681a ( b ) 2 Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include : ( b ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

According to the Truth in Lending 15 USC 1602, That's any card plate or coupon book existing for the purpose of obtaining money, property, labor, or services on credit.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

These agencies are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon the termination of my XXXX enlistment on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, which is a government debt has been collecting for almost 11 years now. From XX/XX/XXXX to XX/XX/XXXX, this was garnished from my XXXX payments. Prior to this I was make payments. After a year later due to lower income that excepted. TransWorld Systems or TSI, submitted a garnishment of wages at a tune of {$210.00} a paycheck. The garnishment paperwork was sent in XX/XX/XXXX, but not received until after the 30 days due to relocating. New lease started on XX/XX/XXXX. This can be provided. Email from U.S. Postal Service can be provided to show date of change of address. Garnishment commenced on XX/XX/XXXX. I did try to resolve this, with no avail. This debt is over the statue of limitations for a government debt and should be discharged and removed from credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020 a company named Phoenix Financial services LLC sent me a letter stating I owe them XXXX I have no knowledge of this account, Ive never received services from this company. I dont owe any money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Paypal Holdings, Inc
State: FL
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/XXXX my mother attempted to transfer money to me via paypal. She inaccurately sent it as " goods and services ''. It was a large amount, and I noticed that PayPal had charged a huge fee, so I immediately refunded the entire amount. 

However, Paypal limited my account, which is a precursor to closing it, and demanded the following information : my photo ID, receipt from my supplier, proof of fulfillment. The photo ID request is invasive ; I don't have a supplier ; I wasn't selling anything so there was no fullfillment. I called the Customer Service line at XXXX and spoke first to XXXX, and then to his manager, XXXX, both of whom told me there was nothing they could do. When I asked them to clarify that they were refusing to unblock my account, XXXX said no, instead it was I that was refusing to provide the information they'd requested. I told him I'd be filing a complaint with the CFPB, my first, and here it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Company: Solar Mosaic LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My complain is about XXXX XXXX and MOSAIC Solar. They sent me their agent that scam me with some lies that I will save some energy by getting a loan through MOSAIC to finance a solar system for my house. They lied to me that I will get a will get a tax credit of XXXX which I didnt get. Also the agent did not procure any paper documents to sign, I did all the signings over her labtop and it was so fast without any explanation. I sign some documents that lock me for 20 years and the worst they PUT A LIEN on my house. They did not tell me about it. My credit was run 3 times without any reason and that brought my credit score from XXXX to XXXX. All this happened in XXXX. In XXXX Im in a situation where I cant sell my house because of the lien, and also the solar did not increase the price of my house. NEVER DO SOLAR. It is a SCAM and they just stealing the honest people money. Please let everyone know about it. Im paying XXXX dollars every month for the loan and my electric bill is not improving. I did not save any energy bill. ALL ARE LIES

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/2015. I made a complaint on Santander Consumer USA about my car loan. I have since spoken to different people again. I spoke to a XXXX, who stated he was with the management team. However I still DO NOT see any results. Again on XXXX/XXXX/2015, my statement said my principal was {$8700.00} and the ESTIMATED payoff was {$8800.00}. On XXXX/XXXX/2015, I made a car payment of {$470.00} and on XXXX/XXXX/2015 I made a principal payment of {$1000.00}. On XXXX/XXXX/2015, I received my XXXX statement. It showed a principal of {$7400.00} and a ESTIMATED payoff of {$7500.00}. On XXXX/XXXX/2015, I made a principal payment of {$1000.00}, on XXXX/XXXX/15 a car payment of {$500.00} and again on XXXX/XXXX/15 another principal payment of {$1000.00}. I check my account on XXXX/XXXX/15 and it shows an ESTIMATED payoff of {$5000.00} ( HOW ). I 'm BEGGING for some help with this matter. I just want to be treated fairly. Can someone PLEASE assist me with this matter? PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: EQUIFAX, INC.
State: MI
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:
In XX/XX/2017 I arranged to have my past due and current balance paid to XXXX XXXX XXXX Credit Card through My XXXX XXXX   Checking account for the Month of XX/XX/XXXX. 

It is stated and can be confirmed by XXXX XXXX that : 1 ) the amount required was in my checking account 2 ) I did call in and attempt to make a payment BEFORE the 30 days from my prior payment lapsed and therefore becoming " 30 days late '' per FCRA. 

You can check with both institutions. These are factual statements I attested to. 

However the routing number supplied for my region online was incorrect. I have been with Bank since it was XXXX XXXX XXXX. 

After I the due date, I noticed the funds had not left the account. I called XXXX XXXX and found that they could not locate my account within XXXX system to debit the funds, because the supplied routing number was not associated at that time with my personal checking. I walked into the branch the following day and they supplied my current routing number. I made the payment but because of the amount of time the 30 days had lapsed and now a 30 days late was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a prepaid AMEX Serve credit card in the mail. I immediately knew something was wrong as it was made out in my maiden name. When I contacted AMEX fraud department, my suspicious were confirmed as the credit card request was made from an email address that I do not have. The email address was XXXX. 
Amex did confirm that the identify thief had my DOB, SS # and mailing address. 
I asked to close the account. It took 6 phone calls to the overseas fraud department and unsympathetic representatives who were reading from a script. At one point, when I asked for a case #, report # or a form of confirmation that the matter was being handled, the rep told me he was sending me a confirmation to the email address were the fake request was made. I was furious! I asked to speak with US representative who could actually assist me. All 6 calls to AMEX fraud department results in hang ups during my conversations. They never gave me a confirmation in writing or a case #. I contacted the credit bureaus and placed a freeze on my credit. American Express is absolutely irresponsible in handling identify theft! I still do not know what is going on with the credit card fraudulently opened in my name with my information! I request to speak with someone in the US office to address this serious matter. I am seeking legal advice if any damage occurs to my perfect credit due to AMEX negligence and mishandling of an identity theft matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not the Guarantor of these accounts listed below. I demand they be deleted as were on my other credit reports. 

XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX balance {$1600.00} Credit limit {$1300.00} XXXX XXXXXXXX XXXX  XXXX Account number XXXX Balance {$1100.00} Credit limit {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
INVESTIGATION REQUEST LETTER To whom it May concern.

I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities. All three Credit Bureaus are reporting the incorrect and different credit scores. XXXX, Experian, XXXX XXXX have all been reached out by me and contacted. Some people are reporting things on me I never verified. 

Are you Familiar with something called the 15 U.S.C. Sec. 1681i ( a ) I heard if you cant provide proof of these accounts to verify if they are correct. So, could you please check on these and get back to me?

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 2018-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Over multiple years, I called and requested never to receive credit card applications in the mail from Bank of America ( I am an account holder ). At the time I was granted manager assurance that I will not longer receive card applications ; also that I have made it onto the correct list time. Flash forward 6-8 month later after moving to a new address, I received a credit card application in the mail. I called Bank of America again and a customer service specialist ( after 30min on the phone ) informed me there is nothing he can do. I went on to question him about his policy and what I have to do to never get another application in the mail. He again told me he could do nothing. It turns out the system is set up to pull only address from their database and is not linking in any way to the active account ( I already have with them ). The same account with the current updated address that can not be mailed to. That is how I received another application in the mail ; THEY FOUND A LOOP HOLE. So every year after I move to a new address I will have to call them to update my address and then go on to another specialist just to specifically ask the new address be added to the DO NOT MAIL list. UPON which he stated it takes them 90days to process that request. I CONSIDER THIS A YEARLY RISK TO MY PERSONAL FINANCE SECURITY. Every Year for three month I will receive card application in the mail. And nothing I can do changes this fact with current Bank of America Opt Out mailing policy. They do not link you new address to your account  when mailing.

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 2016-06-11
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a CitiGold checking account after receiving an offer for XXXX XXXX miles if I met the requirements for sign up. After opening the account, I messaged citi on XXXX/XXXX/16 asking if I had met all the requirements for the offer. A representative responded on XXXX/XXXX/16 ( message ID : XXXX ) confirming I had met the requirements and would receive the XXXX miles within 90 days. After 120 days and still no miles, I sent another message to Citi. They responded saying I was not eligible for the offer and that I would not receive any miles.

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 2018-08-09
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2018 my wife did let she do every month went to XXXX XXXX  to do a debit transaction with our XXXX XXXX debit card. She was transferring a total of {$1000.00} from the XXXX XXXX debit card to our XXXX XXXX  account but the transaction was decline because there was only {$1000.00} on the XXXX XXXX debit card and she thought it was {$1000.00} on the card. The transaction did not go through I was charge a {$1.00} for a decline fee. After this my wife decided to wait for the next day to redo the transaction because XXXX said they could only swipe the card once. My wife left the bank to go to the store and the card was decline because funds were not available. At that time i went on line to look at my account and saw where it had the {$100000.00} pending so I called the customer service number and they told me that my money would be available in 6 hours so I took their word for that. The next day I went on line to look at my account and my money was still pending. I called the XXXX  XXXX customer service agent again and this time they said that I would have to have XXXX XXXX send them a memo stated that they will not try to get the money back and then they could release the money in 6 hours. We went to XXXX XXXX  and the customer service agent said that once the transaction was decline they had no legal rights to the money so they were lost on why they had to send any kind of statement in reference to getting our money back. I called the customer service agent again and told her that we needed our money and she said she would see what she could do. I gave XXXX  2 days and I went to look on my account and still the money was still pending. My wife went to XXXX XXXX and called one of the supervisor at XXXX XXXX and she had one of the customer service agent with her and the custormer agent from XXXX was willing to tell the agent from XXXX  XXXX that there was no way that they were going to come back and take the money back that was decline but the XXXX XXXX supervisor would not talk to her on the phone and got very up set with us. Today is the XX/XX/2018 and our money is still pending on our account. I have not paid my mortgage and other bills because XXXX XXXX still have my money pending. My name is XXXX XXXX and I would like for you to help me resolve this problem so I can get my money to pay my bills.

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 2016-09-16
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
CitiBank has still not been able to properly deliver my check from XXXX previous cases. The most recent one they sent me a photocopy of it, which is useless and can not be deposited. I asked for it to be mailed to me, at my correct address ( which they had on file under my CitiBank account the entire time ), but since they did not respond to my original claim resolution dispute I have no faith that they will respond to my XXXX resolution dispute. Hence, I am creating a XXXX one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-09
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Ive been requesting a modification since XX/XX/2017. That is when I was able to make my trial payments after my retirement went through.SLS put through a modification in XX/XX/2017 when I had no income to pay. Currently I can make the payments.

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 2022-11-01
Company: GOLDMAN SACHS BANK USA
State: GA
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon the termination of my XXXX enlistment on XX/XX/XXXX, Army & Air Force Exchange Service, which is a government debt has been collecting for almost 11 years now. From XX/XX/XXXX to XX/XX/XXXX, this was garnished from my XXXX payments. Prior to this I was make payments. After a year later due to lower income that excepted. XXXX XXXX or XXXX, submitted a garnishment of wages at a tune of {$210.00} a paycheck. The garnishment paperwork was sent in XX/XX/XXXX, but not received until after the 30 days due to relocating. New lease started on XX/XX/XXXX. This can be provided. Email from U.S. Postal Service can be provided to show date of change of address. Garnishment commenced on XX/XX/XXXX. I did try to resolve this, with no avail. This debt is over the statue of limitations for a government debt and should be discharged and removed from credit report. 

Thank you

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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion wont change my last name back to my maiden name even though I have changed it over 13 Years ago, I have contacted them over the years and it still dont change the only thing said was it dont matter on a few occasions its still me, I also got they cant change it since it is that with some creditors change it with them so we can change it. Send in paperwork to prove which I have mutiple times.

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 2020-06-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/20, I obtained a new credit card, at which time Experian reported my FICO score to be XXXX. 10 days later, I was denied credit and on the denial letter, Experian reported my credit score to be XXXX. How can this be? more than 100 points difference in 10 days or less by the same credit bureau?? I am always on top of my credit and monitoring my score and report. Who oversees FICO and Experian? Consumers check their score before buying a car, getting a mortgage etc but what good is that if the information is not accurate? It could quite possibly take me 10 days to find a car I want to buy and even longer if I was looking for a house. This is unfair to the consumer. Please look into this and report fairly and accurately across the board.I shouldn't be getting an entirely different FICO score ever day. Not even close to the first number.

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