BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MO 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
Consumer complaint received 2019-09-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Victoria secret {$1000.00} we havent not used this card since XXXX as it got lost with everything in my wallet and due to personal problems and spouse XXXX  XXXX XXXX  in his XXXX had to stop working is currently dealing with a lawsuit as they dont want to give him his XXXX XXXX so at the moment we have no steady income. We are very worried about this amount increasing and hoping you can help in any way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
There is an address on my XXXX and Trans Union Credit Report that is not mine : XXXX XXXX XXXX, XXXX CT 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 2023-06-13
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
In XX/XX/2023, when Goldman Sachs suffered a {$470.00} XXXX loss on Marcus Consumer Bank, Goldman Sachs began withdrawing funds from our savings account for " Tax Purposes ''. They said we'd get the funds back after filing our taxes. However, these monthly ( or quarterly or whatever time period they are determining on their own ) unapproved tax backup withdrawals are lowering the balance and, thereby, lowering the interest earned. This activity was done without our approval on a checking account we had held for years without suffering any loss, fees, or unapproved tax backup withdrawals. Furthermore, we've been told that the same type of tax backup withdrawal will be applied to our CDs when they mature. We are closing all of our accounts and CDs, taking all financial backup withholding penalty fee hits, so we can get away from this unapproved financial behavior levied on us by Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I had a paid membership with Experian Credit Monitoring Service, I cancelled after 2 months of usage, I have requested that this company delete my debit card information out of their system to no avail. I have the Free Service now, I want my debit card info deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
According to last report I was out I state and didnt use my credit card. And I dispute my card and in credit report and its delete but it didnt dispute in company yet. I want to dispute this account immediately and its fraud. I cant get any credit card because this report decries my account and score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is not my account please remove it. I have already filed and requested to be taken down previously and it was removed and sold to XXXX XXXX XXXX. and has new account number with different amount ... ... remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Resurgent Capital Services L.P.
State: MO
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 account do not belong to me nor do I owe this known as LVNV Funding LLC, therefore I'm demanding that this account be removed/ blocked from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: SYNCHRONY FINANCIAL
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:
On my credit report it says other names that I am known as is XXXX XXXX XXXX. I never use XXXX on any formal application of any type. There is another XXXX XXXX that has used my identity in the past. I received a letter in the mail several months ago from Synchrony Bank/Pay Pal credit ( SYNCB/XXXX ) about an account in the name as XXXX XXXX that was past due. I called and told them I never opened this account. They sent a letter for me to fill out that I attested it wasn't me. I mailed the letter back. This week I received another letter from them saying the account was past due. I called back and said again, this account is not mine. The account is showing on my credit reports as past due. The credit limit is {$3900.00}, current balance {$4300.00}. The date opened was XX/XX/XXXX, date of last payment was XX/XX/XXXX as shown on the credit report which doesn't make any sense given the account wasn't open then. The company contact is SYNCB/XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, XXXX. I have tried twice with this company to dispute this account that it is not mine and I did not apply for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
My ex-girlfriend got a credit card in my name and maxed it out and now the creditor seized my bank account and took {$400.00} out of my bank account from a card that I did not authorize her to get so I consider that a fraudulent case and it is making a big impact on my credit score. I filed charges on this woman it was years ago and they just now seized up my bank account about a year ago and took {$400.00} when the debt was only for XXXX something I would really like this to be taken care of it's for it was for XXXX XXXX but now it's for portfolio something.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 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 items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXXXXXX 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 2021-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been writing dispute letters to the credit bureaus since XX/XX/2020 and asking for verification why they keep reporting on my credit report. However, they have failed to obtain as mandated by law proof of such debts. They have continued to report erroneous information about me. Therefore it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law

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 2023-07-04
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got my cell phone connection with XXXX ( Account # XXXX ) in XX/XX/2019. As part of the deal I was supposed to get a {$150.00} gift card, which I never received. I closed the account in XX/XX/2019. I was retroactively billed for {$150.00} gift card. I reached out to XXXX, who assured that they will investigate. I explained them that if investigation concludes that I never received/used the initial {$150.00} gift card, then they can cancel off the charges. Instead I was told, if that's the case they can not cancel the charges since the rewards department and billing department are separate.Instead, I would be issued a new {$150.00} gift card by the rewards department, I can then call the billing department and use the new {$150.00} gift card to pay back the outstanding bill. They never returned back to me with the results from their investigation. Instead, they keep reaching out to different debt collectors ( 4 different debt collection agencies so far ) and continue to harass me to pay for the gift card. They have also got these charges listed on my credit report/credit history. I have tried to get this issue investigated through XXXX, XXXX and XXXX  but XXXX keeps changing debt collector agencies ( most recent one being Jefferson.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Financial Recovery Services, Inc.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
None of the choices really applied so the closest to the problem were selected. 

Claims from different Collection Agencies regarding their ownership of the same debt. 
Correspondence back with them did not resolve the situation. The dates of correspondence overlap. 

Since I do not know who to respond to, I am filing this complaint. 

My understanding is that only one can have an active, collection authority.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: TN
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:
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: NJ
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 did not consent to, authorize, nor benefit from any of the following inquiries. I did not consent to, authorize, nor benefit from any of the following Chapter XXXX Bankruptcy. The court does not report Bankruptcies. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose.I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX ) ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$9800.00} ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$10000.00} ) ( XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED : XX/XX/XXXX, DEPT OF ED : XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Global Lending Services LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been fighting to get a modification on our loan since XX/XX/XXXX originally with XXXX XXXX XXXX XXXX.. long story, short, they did nothing until we filed complaint with BBB and finally offered a modification, which was n't great but we did not want to lose our home. We signed, paid them XXXX that did not go to fees, principal or anything at all and for 3 months all was fine ... then they breached the modification and said they made a mistake with escrow amount and the monthly payments went up approx 2k per month, which is the amount they knew we could not afford. We ended up in litigation with a Consumer Protection attorney for 5 years until XXXX was forced to cease operating by the US Justice Dept for disreputable practices. Our loan was then given to Ocwen, of which we have been trying all over again to obtain a real modification since XX/XX/XXXX ( 11 modification packages so far ) ... to no avail. Same thing all over again. We send documents over and over ... some lost, some ignored ... then a few months ago while getting another modification, we also are served foreclosure documents. We hire a lawyer and so far have been sent 2 more modifications ... we ask 2 key questions regarding the terms and they refuse to answer, then say the modification is being " pulled '' because we did n't sign and send money immediately. How is that legal ... do we not have the right to ask questions regarding legal terms that will be binding if we sign? Our attorney had a few conferences with the Judge in XXXX XXXX County, who he says simply feels we should sign anything they give us as we have n't paid the mortgage ( which we have been trying to work out since XX/XX/XXXX) ... There is a trial date set for the end of XX/XX/XXXXand we are told if we go to trial we will lose. So we are being sent another modification package and pray we will be given anything to modify, despite all reservations about the murky terms, principal deduction, balloon payments, etc we have already been advised of. Ocwen is no different than XXXX. We understand they are being sued currently for disreputable practices by 22 states as well as CFPB. We need help. We need guidance. We do not intend on losing our home. We have been working towards a solution with XXXX and now Ocwen for almost 9 years ... the truth is that they deliberately give us the run around ... and do not ever really want to help to modify a loan. I think their aim is simply to foreclose no matter what. Please help us. We can pay a mortgage, we want to work this out and to be able to even sell in the future if need be. Right now we can do nothing but continue to let attorney deal on our behalf, but are losing faith in that too. Thank you in advance for any help you can offer.

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 2023-08-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Chase bank keeps denying me without allowing me to know why. They can not deny me as an consumer who knows my rights but they wont reply to mail and emails and customer service. I am expanding my social security number to them to recieve an checking and savings account but they are illigally not able to deny any person due to anything because i am an consumer.

Company response to consumer: Closed with explanation