BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of ID theft on multiple accounts including what appears to be a loan from Goldman Sachs which I did not authorize, nor did I request. I have made numerous attempts including attempts made with representation to dispute this with Goldman Sachs. They claim that they have loan documentation and a recording of my voice authorizing the loan. As a result, they denied my request because they said I made a single payment, and verbally approved the request. We have asked now on multiple occasions for them to send us the signed loan documents which should be my right as a consumer and have requested the voice recording so that it can be reviewed. Two months later and numbers calls to Goldman Sachs with a minimum of 1 hour hold times, we have yet to receive the documents they are claiming prove that this fraudulent debt is mine. We have submitted what we feel to be sufficient information protesting this account and feel that Goldman Sachs is trying their hardest to not provide this information hoping that I go away and that they will not be responsible for the fraudulent debt they allowed to be opened in my name. The nest step will be the state 's attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
FAIR COLLECTIONS & OUT ACCT # XXXX Amount {$5900.00} Requested verification, disputed online with credit bureau to the collection agency stating that I dispute the validity of the debt and that I want documentation verifying the debt. If the debt can not be validated by the collection agency, must remove from credit report within 30 days.

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 2023-02-03
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The mortgage servicing company " Shellpoint Mortgage '' did not pay the XXXXoperty taxes for one of the rental properties last year. After receiving the delinquency notice from the county in XXXX XXXX XXXX I paid the taxes out of the business account and notified the company of their error. They have still not reimbursed me for the tax payment 4 months later. They also overcollected and overpaid the property insurance bill on XX/XX/XXXX XXXX XXXX. 
They should have collected and paid {$3700.00} but instead they collected and paid {$11000.00}. The insurance company already issued a refund to Shellpoint and although I requested an escrow review and refund for the overage of {$7500.00} I have yet to receive anything.

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 2020-05-29
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: Their investigation did not fix an error on your report

Complaint:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX   XXXX  with a date of XX/XX/2006 and phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-13
Company: Awar Holding Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2014 I was injured in two car accidents one in XX/XX/XXXX of 2014 and the other XX/XX/2014. In XXXX of 2014 I received a notice the debt was not paid however the amount of the debt was incorrect. I advised the representative the debt was paid under my policy with XXXX XXXX under my claim number. I was advised the debt was not paid. I continued to receive harassing calls every week to collect the debt. I advised the representative the debt would be paid from my settlement. I contacted a representative who advised the debt was not paid. I made a final attempt to settle the debt and I was advised I would need to make a payment in full. I advised after Covid 19 I would be unable to pay the full amount the representative stated there is nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: MI
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. 

Account name : 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. 

Account name : XXXX XXXX XXXX : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 

This notice is to inform you that unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by 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 2020-05-29
Company: DISCOVER BANK
State: KY
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:
Hi there, I was recently hit with a 30 day late payment on my credit report. Due to the corona virus affecting my business I had to switch banks from XXXX to XXXX XXXX XXXXXXXX. It appears that my auto pay was turned off ( when I spoke with the representative she said that I manually turned it off on the online website, which I do not remember doing this. ) Due to the chaos of the current epidemic I traveled quite a bit to ensure the safety of my family and was unaware that my bill did not go through. If I had known this, I would have paid right away. As you can see on discovers payments, I paid as soon as I got notified that there was a late payment on my report. Switching banks added to the chaos. If you check the recent payments with Discover, every payment has been paid on time and I would like to ask that you remove this late payment from my report. 

Thank you, - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-05-29
Company: Experian Information Solutions 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:
Since 2016 I have attempted to resolve this dispute with XXXX XXXX XXXX XXXX, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below 500 now. I submitted an FTC Identity theft report and police report to XXXX XXXX XXXX over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by XXXX XXXX XXXX as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.

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 2020-05-29
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:
Since 2016 I have attempted to resolve this dispute with XXXX XXXX XXXX XXXX, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below 500 now. I submitted an FTC Identity theft report and police report to XXXX XXXX XXXX over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by XXXX XXXX XXXX as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are unauthorized inquiries on my credit report from the following institutions : XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 XXXX  XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, 2023

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 2018-05-02
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:
I am a XXXX XXXX employee with the XXXX XXXX XXXX, and have been since XX/XX/XXXX. I graduated from XXXX School ( XXXX XXXX School ) in XX/XX/XXXX, and began working and repaying my loans in XX/XX/XXXX. 

-From XXXX to XXXX I used the Loan Servicer XXXX -In XX/XX/XXXX, I was advised that I needed to switch to the Loan Servicer XXXX  in order to properly be enrolled under the Public Service Loan Forgiveness Program . 
-From XX/XX/XXXX to current ( XX/XX/XXXX ) only 11 of my payments have been counted under the PSLF program. 
-From XX/XX/XXXX to XX/XX/XXXX I have contacted XXXX to resolve this issue, and no one has helped me. I am curious why none of my previous payments ( under a qualifying program for the PSLF Program ) have not been counted or applied to my account. 
-In XX/XX/XXXX, I personally uploaded all of my previous payments made through XXXX on my XXXX profile. I did this because a supervisor verbally told me " she would personally look into why my previous payments had not been counted. '' Nothing was resolved. Moreover, the direct line the supervisor ( XXXX ) gave me is no longer in service. 
-I have provided all the required information timely, and yet continue to get " it will take between 70-90 days to resolve your issue/ count your previous payments. '' It has been more than 18 months, and nothing has been resolved. 
-On XX/XX/XXXX, after 45 minutes on the phone with supervisors XXXX and XXXX XXXX the best resolution they could provide me was " to be patient '' and that " we have everything so it is on us to complete the process of reviewing all your previous payments. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since 2016 I have attempted to resolve this dispute with XXXX XXXX XXXX XXXX, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below XXXX now. I submitted an FTC Identity theft report and police report to XXXX XXXX XXXX over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by XXXX XXXX XXXX as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.

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 2020-11-25
Company: WELLS FARGO & COMPANY
State: WA
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:
WELLS FARGO DEALER SVC - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Auto Loan FCRA violations if it cant be fixed must be removed Law disputed this item over 45 days timed allowed Wells fargo is in violations of FCRA and Fair DEbt 4 ) " Credit bureau '' means a person who, for compensation, gathers, records, and disseminates information relating to the creditworthiness, financial responsibility, and paying habits of, and similar information regarding, a person for the purpose of furnishing that information to another person. 
attach are case studies they have been in Violations of quite some time

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 2020-05-29
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been contacting this company for over a year to confirm the debt. The company has refused to provide any type of debt validation. They have also lied in reference to what the debt was for, as they stated it was for an eviction but Ive never been evicted. I have also disputed this with the credit bureaus with no success or validation being provided. After placing a cease and desist on my account I still received calls from this company. They refuse to escalate my request and are very abrasive. The debt is for {$2400.00} and I have no clue where this amount is coming from.

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 2023-05-12
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VICTIM OF IDENTITY, THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX  ACCT # XXXX THIS ACCOUNT WAS PREV IOUSLY INVETSIGATED AND REMOVED THEY SOLD IT TO ANOTHER COLLECTION AGENCY. 

CREDITORS OR COLLECTION AGENCIES IF THEY TRY TO RE AGE YOUR ACCOUNT BY UPDATIND THE DATE OF YOUR LAST ACTIVITY ON YOUR CREDIT REPORT WITH THE HOPES OF KEEPING NEGATINE INFORMATION ON YOUR ACOUNT LONGER.

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 2020-05-29
Company: EQUIFAX, INC.
State: CO
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:
I went online to Equafax to unfreeze credit on XXXXAccording to website..credit is now unfrozen, yet no company can run a credit check on me ... they get a response that my credit is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status.The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form XXXX and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.

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 2020-05-29
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: Their investigation did not fix an error on your report

Complaint:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2005 and a XXXX dollar balance should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2005 and a XXXX dollar balance should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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