BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX am writing to delete the following information in my file. The items that need to be deleted are listed in the report. 

I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I ask these items to be removed also in accordance with 15 USC 1681a Section 603 subsection K ; rules of construction. Due to this inaccuracy of my credit report, I have been denied opportunities that have also violated my rights based on the Equal Credit Opportunity Act. I have the right to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Experian Information Solutions Inc.
State: OR
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 these years, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 credit card accounts were documented by the XXXX XXXX XXXX, as having been opened by me. Before I knew about Identify theft, I tried to fix these debited cards and amounts by making payments. I was never able to pay them off as the interest and fees were accruing faster than I could pay. Some months I paid {$500.00} or {$700.00} towards the balance. The balances got up into the thousands of dollars, not because I used them, authorized the card or owed the money, but because of fees and interest.
When I found out about identify theft, I sought to work something out with the bank. They denied my effort and made no remarks about the IT. I tried several times to report, to the bank and the credit reporting companies, when I had the name and information of the person who opened and used my information. One of the indictors was an address in XXXX XXXX, as being listed as mine. I never lived in XXXX XXXX, and with this new information, I was able to provide proof that I did not open, and I never lived in XXXX XXXX. Recently, I was able to get Experian to agree to Identity theft, and XXXX XXXX  and XXXX. However, they would not take the debt off. The XXXX XXXX XXXX  wrote off, discharged, the debts, totaling over {$20.00} and gave no reason. They sent me and the IRS a Tax Statement document so stating dated tax year XXXX. <P/>Here is the problem I need help with : The debts were discharged, and total amounts provided to the IRS. However the XXXX XXXX XXXX, continues to send to the 3 credit reporting companies, all 3 debts as still open, ongoing and continuing to accrue at thousands of dollars. They wrote it off, but continue to leave it on my report as an open and accumulating debt. This reporting by XXXX XXXX XXXX continues to ruin my credit, and appears that the debts and cards are still active. <P/>I had a credit card with XXXX, and it was for {$900.00}. When XXXX saw the above issues on my credit report, they lowered my credit to {$250.00}. I am in XXXX XXXX and use the XXXX card for my books and supplies. XXXX said they will restore my credit card to {$900.00} if I can prove that what is showing on those 3 reports is an error. I have tried to get the 3 companies to look at the charge off documents and told of the IT and gave them all of the particulars, as stated here. They did acknowledge Identity theft, but would not correct the XXXX XXXX XXXX charge off. The XXXX XXXX XXXX does not recognize its own charge off and has left it on their books as 3 open card accounts. Can you help me clear this up? 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 2022-09-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I wrote to each credit bureau about the inaccurate reporting of collections by Midland Credit Management and XXXX Collections. Per FCRA, Section 609, I requested all information related to collection accounts listed on my XXXX, XXXX, and XXXX credit reports; including the original credit application and contracts containing my signature. Per FCRA Act 15 U.S. Code 1681i Procedure in case of disputed accuracy ; Para ( 5 ) Treatment of inaccurate or unverified information shall promptly be deleted from my credit file. The collection agencies nor the credit bureaus did not fulfill my request by providing evidence these accounts belong to me. 

Additionally, it appears that my consumer rights were violated by the party that the collection agencies obtained my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: American Coradius International LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We keep recieving letters of collection regarding an amount that has been turned over to a collection agency from  XXXX . The account in question belongs to our son who is a minor and who was unscrupulously taken advantage of by another  XXXX  member. The account has been placed in collection, and we assert that he is not, nor can be held accountable for this amount due to the fact that he is a minor and not able to enter a legally binding contract. Despite this explanation both written and verbal to the collection agency charged with collecting the debt, we continue to receive demand payment letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Solomon and Solomon, P.C.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Solomon and Solomon cla ims I owe  XXXX  to  XXXX   XXXX , this account was paid off a t one poi nt, fraudulent charges subsequently placed on it. Despite fraudulent charges, I was making payments on the account in the amount of  XXXX  per month. Due to some returned payments, which were in error by my bank, the account was closed and charged off. Please not e, Solomon and Solomon is the se cond collection agency attempting to collect on this debt.. XXXX  (  XXXX   XXXX   ) , previously  attempted to collect on this debt and I believe they sold the account to  Solomon  and  Solomon realizing there is f raud and they could not collect on it.  XXXX  responded to a similar complaint by sending copies of statements which prove nothing, they failed to prove I authorized charges since account was paid off. They then referred account to  Solomon and Solomon,  please advise them as I have advised prior collection agency, the payments made to  XXXX    XXXX   despite fraud will be the only payments made on this account and to accept it as settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: EQUIFAX, INC.
State: NY
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 began disputing with the credit bureaus as of  XXXX     2017. Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus, Equifax,   XXXX  and  XXXX  . They have never provided me an update regarding me report thus making it difficult for me to review the activity on my account. I have done research and am aware I should be receiving correspondences between 35 - 45 days which has not happen . In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why I felt it necessary to express my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: GOLDMAN SACHS BANK USA
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA on XX/XX/2021 via e-mail.

According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by The Goldman Sachs Group Inc d/b/a Goldman Sachs Bank USA adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA is now civilly liable to pay me for the damages.

REMEDY Grant me an open-end credit plan with your company or pay me {$5000.00} for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: SYNCHRONY FINANCIAL
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My card was used fraudulently and 2 of the 3 charges were reversed but Synchrony Bank is reporting that I am responsible since it was shipped to my address from XXXX XXXX. Tracking number provided by bank comes up invalid. Fraudulent charge is about {$1000.00} for a raincoat I did not purchase or have shipped to my address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-husband. I am a victim of identity theft and have put this off for too long. I 've completed the proper s teps, 1. notify creditors 2. police report 3. informe d the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.   XXXX   sold this fraud collection to enhanced recovery after my fraud claim and case with diversified funding.  XXXX   XXXX  has an entirely different name and for some reason, the bureaus like   XXXX   are still allowed to perform this way without consequences. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-husband. I am a victim of identity theft and have put this off for too long. I 've completed the pro per steps, 1. notify creditors 2. police report 3. inform ed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.  XXXX  sold this fraud collection to enhanced recovery after my fraud claim and case with diversified funding. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
O n    X/X/17  I  called Transunion and disputed a Bankruptcy  (   Docket #    XXXX  ). The representative stated that the dispute would take up to 30days.  On  X/X/17     I got an email saying my dispute was completed and the Bankruptcy had been " verified '' by Transunion. I called Transunion  on   X/X/17   and  spoke to  XXXX . I asked him how the dispute was verified and also the source of verification.  XXXX  advised me that Transunion sent a letter via US Mail to the Bankruptcy Court located in  XXXX    XXXX   and that the court verified the bankruptcy by letter and mailed it back to Transunion. I told  XXXX  that it is physically impossible for Transunion to mail a letter out o n   X/X/17      and already have received it back from the bankruptcy court o n  X/X/17   which is less than 24 hours from the time the dispute was entered. He insisted that the letter was sent to the courts and that the courts had verified the bankruptcy. I asked him for the name of the person from the bankruptcy court that had signed the letter and verified the bankruptcy. He said he could not give me that information so I asked for a supervisor. While on hold waiting for a supervisor I called the Bankruptcy  Court  (  XXXX  ) and spoke to  XXXX . I asked her if Transunion had requested verification from them or if they had signed a verification letter and sent it back to Transunion, she said that the Bankruptcy Courts do not report or verify information for any of the credit bureaus so Transunion was not being truthful. I then spoke with supervisor  XXXX  from Transunion and advised him of what the Bankruptcy Courts had just told me and also what the other rep  XXXX  had said.  XXXX  then stated that the bankruptcy was verified by a third party vendor but he could not legally tell me who the vendor was. I stated that per the FCR A a Consumer  has a right to dispute and also know the source of the data furnisher. He said that he would not release the name of the Vendor. I then advised him that I wanted the name of the individual from t he 3rd p arty vendor as well as the method that was used to verify the bankruptcy and be also refused to give this information. I ended the call with  XXXX  and I immediately called Transunion back. This time I got a rep named  XXXX  and I asked him how my Bankruptcy was verified. He stated that a Transunion rep  or 3rd party re p  for Transunion drive to  the Bankruptcy court and verified it with the courts. When I advised him that this was not true, he hung up on me. Transunion is not and has not verified the bankruptcy and are lying over and over again about the source and method of verification which is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred several thousand dollars from my personal savings account at XXXX to my personal savings account at CIT Bank. CIT would not allow me to access my funds after their 5-day holding period because they claimed the 5 business days started the day after the transfer, and they counted Veteran 's Day as a non-business day. Though CIT is open on Saturday, Saturday is also a non-business day. 

I called CIT and spoke to a second-level customer service agent. I explained why I needed the money ( to buy a house ) and asked if the money was with CIT now. The transfer had cleared, and there were no issues with the transfer. I have never had an overdraw or other negative event with the bank, I have a high credit score, and the funds transfer was domestic. There was no reason they could not allow me to access the money, they just wouldn't. 

I also asked where their business days were posted, and where their policy of starting the hold the day after the transfer was posted. They told me the policy is not posted, and their business days are not posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018 I view my account Checking and Saving account and TD Bank double charge me one Charge of {$5.00} Maintenance Fees and another charge for {$1.00} for mailing my statement prior to online banking the statement for all account was required by United States Federal Regulations and now because of the new internet used the TD Banks and other Bank within the United States are adding extra cost for banking when this is consider to be Fraud if I'm paying {$5.00} maintenance Fee should this cover mailing expense because United States now have different method to Bank it should be illegal to charge for mailing of the statement and when open the account this is what they informed me that will maintenance fee only Please investigate this agency and Maintenance Fees charge to me and others ensure that it according to United States Federal Reserve Bank Regulations and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: PROPEL FINANCIAL SERVICES LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have sent in overpayments. The amount due plus extra to be applied to principal only. However they apply the extra payment to interest and principal, not the principal only. In  XXXX  there was no payment due per the statement but I still sent in {$100.00} to be applied to principal and they applied it to the interest not a single   XXXX   was applied to the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX XXXX complaint to CFPB in reference to Selene Finance my Mortgage Servicer, XX/XX/XXXX I complaint again to CFPB, Selene Finance unfair practice. CFPB has all of my complaints that are now closed with the XXXX. I have not been offered a program I can afford to pay Please see my letter to XXXX dated XX/XX/XXXX of all issues, improper handling of my loan modification process. The month I had trouble to pay my mortgage was the month of XX/XX/XXXX, when I asked for assistance my loan monthly payment was {$1700.00}, due to their negligence the amount I owe has escalated to an unreasonable amount. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation