BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm a victim of identity theft. I recently learned that my nonpublic personal information is being shared and furnished with different institutions and nancial institutions without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial institutions without full disclosure and without my written consent, unknowingly and unwillfully against my knowledge, and therefore request these accounts be removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 protection of nonpublic personal information. This is identity theft. Pursuant FCRA 603 ( c ) Financial Institutions must notify consumers in writing to CRA Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I, XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX Account # 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.

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 2022-02-03
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: Information belongs to someone else

Complaint:
This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from 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 2023-03-08
Company: EQUIFAX, INC.
State: UT
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BMO Harriss banking system is technically inadequate and faulty, duplicating transfer requests, causing accounts to be overdrawn, and charging extortionate fees as a result.

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 2022-01-28
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
XX/XX/XXXX On XX/XX/XXXX, I purchased my home and took out a mortgage with XXXX XXXX XXXX XXXX for {$250000.00}. XXXX XX/XX/XXXX was eventually taken over by Lakeview, XXXX XXXX. My original mortgage rate was 3.25 %. The mortgage was an ARM which recalculates after ten years based on the LIBOR rate as posted in the XXXX XXXX XXXX. On XX/XX/XXXX, the rate adjusted to 6.25 %. On XX/XX/XXXX, I received a letter from XXXX XXXX that my loan adjustment will now be based on the one-year SOFR rate. XXXX XXXX states that my new loan interest rate will be 8.25 %. This is calculated by adding my margin of 2.25 % to the XXXX rate of XXXX which was the rate on XX/XX/XXXX. XXXX XXXX used a SOFR rate posted by XXXX, not the rate posted by the XXXX XXXX XXXX or the Federal Reserve. The SOFR rate posted by the XXXX XXXX XXXX was 5.33 %. The SOFR rate posted by the Federal Reserve was XXXX. Using either the rate of the XXXX XXXX XXXX or the Federal Reserve, my new calculated rate should be 7.5 %. I requested a rate adjustment, but XXXX XXXX refused. 
I am attaching : 1. My original loan document. 
2. SOFR rate published by the XXXX XXXX XXXX 3. SOFR rate published by the Federal Reserve XXXX, there is a huge disparity between the rates of the XXXX XXXX XXXX, the Federal Reserve and XXXX. The SOFR rate of the XXXX XXXX XXXX should be used in calculating my mortgage percentage. 

Thank you for your consideration. 


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 2023-08-24
Company: AXOS FINANCIAL, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened a XXXX XXXX account on XX/XX/. The account was opened and an outside account was linked. But unable to transfer money. I contacted them via email and phone many times. They just asked me to wait and can not solve it and never reach back. After all this, I asked them to close my account and delete all my information. They replied to me with an email saying yes. But I could still be logged in and see my outside account linked there. The customer service is bad and never helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear Sir/Madam, I am writing to file a formal complaint regarding the recent restrictions imposed on my credit card account with my Goldman Sachs XXXX Apple Card XXXX I have been facing significant challenges in using my credit card for the past couple of weeks, and I believe these restrictions are unjustified and detrimental to my financial well-being. 

I want to emphasize that I am a XXXX citizen, and these financial restrictions have caused undue stress and inconvenience to me. My XXXX XXXX  and fixed income make it essential for me to have access to my credit card to cover daily expenses, emergencies, and various other essential purchases. Unfortunately, I feel that my circumstance as an older individual may have been taken for granted, leading to the current situation. 

It is important to note that my credit card account is in excellent standing, with no outstanding balance due. I have maintained a timely payment history, and my creditworthiness should not be a factor in the restrictions that have been placed on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a claim on XX/XX/XXXX regarding multiple charges made on my Card. Navy federal then sent me a new card and refunded the charges back to me. However on XXXX just 3 days letter I get a letter stating the charges will be debited back due to them finding that no billing error occurred which is far from the truth. I have never done any business with any of these merchants in the past and if navy federal would of actually did their due diligence on this claim they would clearly see that. Furthermore I'm curious as to how it only took 3 days for them to come up with the determination doesn't seem like they investigated at all to me and I am not paying for charges that I DID NOT make. I have asked navy federal to provide proof on how they came up with their conclusion and they have refused to. Now I am being held Reliable for {$200.00} of charges I never made. I also filed a complaint back in XXXX with the XX/XX/XXXXagainst this company for the same charges and they never even responded to the complaint at all!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX / XXXX / {$1900.00} XXXX XXXX XXXX / XXXX / {$900.00} XXXX / XXXX / {$1300.00} XXXX XXXX BANK XXXX XXXX XXXX / {$2800.00} XXXX BANK / XXXX {$3400.00} XXXX XXXX  XXXX  Original creditor : XXXX  XXXX BANK XXXX XXXX / XXXX / {$1900.00} XXXX XXXX  XXXX  Original creditor : XXXX  XXXX XXXX XXXX / XXXX / {$900.00} XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I.c. System inc reported a {$180.00} medical bill to XXXX claiming that I owe that debt. 
On XX/XX/2019, just a few days later, I.c. System inc reported the same amount again. 
On XX/XX/2019 and XX/XX/2019 I.c. System inc again reported the same {$180.00}. 
Now again on XX/XX/2019 and XX/XX/2019 I.c Systems Inc reported the same amount of {$180.00} yet again. 
They also reported the same debt to XXXX in XX/XX/2019 and XX/XX/2019 for the same {$180.00}. 
Upon speaking to I.c System inc they claimed that the debt was building interest and accumulating an amount because XXXX XXXX kept adding things to the bill. I informed them at that time that I do not own that debt nor do I know of them or the XXXX XXXX. I then requested for them to stop contacting me by phone or otherwise and to stop hitting my credit and to especially stop doing it multiple times. They have a robocall system that will contact you from different numbers. They are a complete and utter harassment. And what they are doing is illegal.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: SYNCHRONY FINANCIAL
State: MO
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:
I have a Venmo credit card. My credit limit was $ XXXX.I have missed any payment and always paid above the requested amount. I went to use my card knowing I had enough available credit. I rarely used the card. The card was declined. I was shocked and embarrassed. So I called the credit card company, I was told they lowered my credit limit. I received no notification, no explanation, prior to them.lowering my limit. XXXX XXXX XXXX XXXX XXXX when they lowered my credit limit, my credit score dropped XXXX points. 
As I said I always made my payments, always paid more than the required amount. They told me they ran my credit and decided to lower my credit limit I had no idea they even ran my credit. As I said I was not i.formed of any of their actions against 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 2021-12-21
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to see a XXXX - XXXX XXXX XXXX in XXXX, Ga, during the summer of 2018 which recommended I perform a certain procedure, to which I only agreed to if it was covered by my insurance. After assuring me many times that it would be covered, I went ahead with the procedure. A few months later, a bill arrived for {$210.00}. I tried reminding them of their assurance to me that it would be covered by my insurance, to no avail. They were adamant about me being fully liable for the bill. I attempted to negotiate to only be liable for half of the bill. They dismissed me and sent the bill to a collection agency, Carter-Young Inc XXXX I immediately contacted the collection agency and made the full payment on XX/XX/2018 ( payment auth code : XXXX ). It was subsequently removed from my credit report immediately. I had assumed it was all taken care of until we applied to refinance our home in XXXX of this year. Apparently, the medical center had sent a new bill to the collection agency within two weeks after receiving full payment for the original bill. We didn't receive any mailings or calls regarding this new bill for the past 3 years. So we went ahead and disputed this new bill at all XXXX reporting agencies but the collection agency ( Carter-Young ) is refusing to remove it. We're concern that if we pay this new bill, the medical center will repeat the same formula of sending a new bill for them to collect and for us to pay. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received my credit report and noticed there are hard inquiriries that don't have permissible purpose to be there. These hard inquiries are hurting me from getting approved. I have already reached out to the credit bureaus about this multiple times and they keep violating my rights under 15 USC 1681b. I have attached the inquiries that don't have no purpose to be on 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 explanation
Consumer complaint received 2018-08-08
Company: Delta Management Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Delta Management Associates , Inc. sent fraudulent wage garnishment papers to my place of employment. They did not contact me first, did not provide me with a chance for a hearing, did not validate, nor verify the debt, and they are not a guaranty agency. As a third-party debt collector, they should not have sent garnishment papers, due to their lack of guaranty status. I tried to resolve the matter via CFPB complaints, a XXXX   complaint, a complaint to the California Attorney General and through direct communication with Delta Management Associates , Inc . I was unsuccessful. I then went to Small Claims Court and obtained a judgment. I still have not been paid, and the garnishment has not been stopped. In other words, I was garnished again after the judgment. I have included the judgment and would appreciate the return of my funds and the cessation of a fraudulent garnishment. 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 2023-04-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received credit offer from Synchrony Bank through XXXX. They have a 6 month finance 0 % interest if pay in full on purchases $ XXXX. The problem is that they stimulated the consumer to go paperless with the promise to received the monthly statements, but instead the consumer have to logging on a computer and get lucky to locate the pdf file. 
I did contacted costumer service, and only after a long chap I learned that my balance was {$410.00} more than shown on the dashboard because I asked directly to the bank representative. My account show 2 purchases of around {$650.00} and {$850.00} but balance of {$2100.00}. Only after my complain she trayed to explain where I could get the information ( what we see as consumer has nothing to do with what she mentioned ). I found very unfair that XXXX and Synchrony bank present the information in such way that we as consumers have no way to stay on top of our finance and the convenient fees applied to our accounts. I totally sure I'm not the only XXXX with these problems.

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 2023-01-17
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 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 non-monetary relief