BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: Southwest Credit Systems, L.P.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had pulled my credit and seen this in collections I had no idea where it came from. I have not opened any accounts nor could I due to me filing bankruptcy. I moved to XXXX in XXXX and my credit was pulled for a place. At this time there was no open accounts at all. This just shows up out of no where. I asked for information showing it was my account and the company could not provide me anything. I want this removed from my credit. It is not my account. They can't prove its mine and it is not my account. I am asking it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/2022 : My XXXX Card administered for XXXX XXXX by Goldman Sachs Bank ( " Marcus '' ) repeatedly on more then one occasion places erroneous interest charges upon my XXXX XXXX  by Marcus despite the fact that I always pay the amount due prior to the due date to avoid any interest charge or late fees. 

On XX/XX/2022 at XXXX XXXX XXXX  : I spoke with customer service representative : " XXXX '' = phonetically " XXXX ''. 

XXXX informed me that she could not understand either why I was charged {$17.00} in interest because my amount due was paid timely before the XXXX due date. XXXX informed me that she will request that the {$17.00} be removed from my XXXX Card in that no interest is due. 

I asked XXXX to have a Manager phone me and she stated that she would. 
No Manager ever phoned me. 

Instead I received an email erroneously and inexplicably stating : that the interest charge " is correct '' with no explanation : because there is no valid explanation it is a specious and fraudulent interest charge by XXXX Card by Marcus. 

I paid the amount due prior to the due date and XXXX Card by Marcus is fraudulently placing interest on my card as stated above. 

On the prior statement to the above : XXXX Card after my speaking with a Manager told me to pay : {$970.00} because a charge was in dispute so this would be my " total due ''. I timely paid the {$970.00} on time as informed by a XXXX Card Manager by telephone : and then XXXX Card charged me {$6.00} interest despite their " Manager '' informing me this would be the " total '' due to avoid any late charge and/or interest charge. Despite the immediately preceding XXXX Card charged me {$6.00} for interest that is specious and an illicit charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: LA
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$45.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$30.00} XXXX  XXXX Balance : {$5900.00} XXXX XXXX XXXX  XXXX Balance : {$400.00}. 
XXXX XXXX XXXX : {$60.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Graduate Resource Network
State: HI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've been making monthly payments in the promise of student loan forgiveness and I was unaware that I was making payments to a 3rd party company. That company is Graduate Resource Network. They told me they were directly affiliated with the Department of Education, but after a conversation I just had with XXXX XXXX XXXX, I realized I've been paying Graduate Resource Network commission and not paying directly towards my student loan relief. 

XXXX XXXX recommended I reach out to your office and see if there is anything I can do to get refunded and get on the appropriate track towards student loan forgiveness. 

Thank you so much for any and all help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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:
I was trying to buy a house and I realizes that I had damage on my credit reporting according to the 15 USC 1681S-2 ( F ) reporting information during COVID-19 pandemic accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contact, or any assistance or relief granted to consumer who affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period. Covered period ended on XX/XX/XXXX you have 120 days after XXXX XXXX. 

Please fully verify the information below. They have been marked as late. Please remove any inaccurate information from my credit report as quickly as possible. Here are the items that I am requesting a verification of Creditor Account # 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 REMOVE ALL EXTRA NAMES ON MY CREDIT REPORT MY NAME SHOULD READ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep dissatisfaction and concern regarding a persistent issue related to my credit accounts with XXXX XXXX. Specifically, I have encountered multiple attempts to tie up an account that is correctly reported as open with 3 credit bureaus but inaccurately reported as a collection account with another credit bureau. 

This situation has caused considerable confusion, stress, and damage to my creditworthiness, and I am seeking your immediate assistance to rectify these discrepancies. 

XXXX XXXX XXXX Date Opened XX/XX/2018 Balance : {$0.00} - Tied Up Issue Description : XXXX of my XXXX  XXXX credit accounts is correctly reported as open and in good standing in other Credit Bureaus, as reflected in my credit report. However, this same account is erroneously reported as a collection account, as shown in my credit report. This inconsistency has severely impacted my credit score, making it challenging for me to secure favorable credit terms and loans. 

I have made multiple attempts to resolve this issue by contacting XXXX XXXXXXXX XXXX  customer service, providing documentation and proof of the account 's open status, and requesting that the accurate information be reflected on all credit bureaus ' reports. Despite my efforts, the issue persists, and my credit profile continues to be adversely affected. 

I believe that this situation not only violates the Fair Credit Reporting Act ( FCRA ) but also reflects negatively on XXXXXXXX XXXX XXXX commitment to providing accurate and reliable credit reporting. 


To address this issue promptly and to ensure compliance with the FCRA, I kindly request the following actions : Investigate and verify the accuracy of the account information reported to credit bureaus, particularly the discrepancy between the Credit Bureaus. 

Correct the reporting error with 3 Credit Bureaus to reflect the accurate status of the account as open and in good standing. 

Provide written documentation of the results of your investigation, including confirmation of the correction made withCredit Bureaus. 

Notify the Credit Bureaus and other relevant credit reporting agencies of the corrected information to ensure uniform and accurate reporting across all credit reports. 

Ensure that this issue does not recur in the future and implement measures to prevent similar inaccuracies in credit reporting. 

Failure to address this matter promptly and in accordance with the FCRA may compel me to seek legal remedies to rectify these inaccuracies, including pursuing damages for any harm caused to my credit profile and personal finances. 

I have enclosed copies of relevant documents, including credit reports. I kindly request for your assistance to correct this account in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
CFPB, WHY DID YOU CLOSED ALL MY COMPLAINTS? PLEASE STOP AND MOVE IT FORWARD. 
CFPB, I am filing this complaint so please don't send me form letter stating someone else did it for me. I have been trying for several months to get this account off from all 3 credit bureaus. There was a vacuum demonstration that I attended conducted by XXXX XXXX XXXX but somehow my credit was pulled without my verbal or written consent. I received the attached letter stating that I was not approved to purchase this overly priced vacuum but somehow this outrageous amount was sent to all 3 credit bureaus as collection. I have not signed anything authorizing a check or any purchase agreement or even receive the vacuum. I am asking for a full validation of this account as its not mine. Under FCRA, I am entitled to such request. Additionally, I need to know what right XXXX XXXX  has the right to collect on this account under the Fair Credit and billing act. I believe XXXX XXXX XXXX fraudently submitted an application in my name. Even though it was denied and they continue to bill me for service not rendered. 

Disputed account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX of this account is paid off Balance on XXXX XXXX, 2022 {$4600.00} I am in the process of filling a DOJ and FTC complaint for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
CFPB, WHY DID YOU CLOSED ALL MY COMPLAINTS? PLEASE STOP AND MOVE IT FORWARD. 
CFPB, I am filing this complaint so please don't send me form letter stating someone else did it for me. I have been trying for several months to get this account off from all 3 credit bureaus. There was a vacuum demonstration that I attended conducted by XXXX XXXX XXXX but somehow my credit was pulled without my verbal or written consent. I received the attached letter stating that I was not approved to purchase this overly priced vacuum but somehow this outrageous amount was sent to all 3 credit bureaus as collection. I have not signed anything authorizing a check or any purchase agreement or even receive the vacuum. I am asking for a full validation of this account as its not mine. Under FCRA, I am entitled to such request. Additionally, I need to know what right XXXX XXXX has the right to collect on this account under the Fair Credit and billing act. I believe XXXX XXXX XXXX fraudently submitted an application in my name. Even though it was denied and they continue to bill me for service not rendered. 

Disputed account XXXX XXXX XXXX  Account number XXXX Original creditor : XXXX XXXX XXXX of this account is paid off Balance on XXXX XXXX, 2022 {$4600.00} I am in the process of filling a DOJ and FTC complaint for 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 explanation
Consumer complaint received 2023-07-24
Company: Bread Financial Holdings, 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: Was not notified of investigation status or results

Complaint:
I have sent several request to XXXX to correct this credit error but have not received any response. This is affecting my credit and I am not able to purchase my home. This needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX and XXXX contacting you to report that the following collection account and inquiry are not mine and I am a victim of identity theft. Account number XXXX and inquiry from XXXX XXXX and or XXXX XXXX Bank XXXX are NOT mine and need to be deleted from my credit report as soon as possible. I did not make these charges. I reported the identity theft to the Federal Trade Commission, FTC, and have copies of the FTC affidavit. Please charges immediately.

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. On XX/XX/2022 I checked my credit and seen that a collection was placed on my credit. I have never given XXXX  XXXX XXXX  ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from XXXX XXXX  XXXX  about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX  XXXX XXXX can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # 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 2022-06-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
CFPB, PLEASE STOP CLOSING ALL MY COMPLAINTS AND MOVE IT FORWARD. NOT RIGHT YOU ARE VIOLATING MY RIGHTS AS A CONSUMER. HARD ENOUGH TO FIGHT WITH THE CREDIT BUREAUS AND NOW WE HAVE TO FIGHT WITH AN ORGANIZATION WHO IS SUPPOSED TO HELP US. I HAVE SENT CERTIFIED RETURN RECEIPT TO XXXX and no word back, so I am assuming the are agreeing with my findings. 

TO WHOM IT MAY CONCERN : I am a military member XXXX XXXX XXXX. After review all XXXX credit reports, I am demanding the below account be removed immediately as it completely inaccurate for the following reasons : a. The type of loan is not accurate as its a credit sale NOT Loan as shown on my credit reports. 
b. The loan is listed as charge off which is not accurate. It was sold. 
c. Current balance or owe balance is also incorrect as you can see what XXXX detailed payments. See attached document by XXXX XXXX. The remaining balance is {$11000.00} NOT {$11000.00} as you have reported. 
I have disputed with the credit bureaus and sent by certified mail with return receipt. Please see attached copy. 
Im exercising my right under the Fair Credit Reporting Act and right under the fair credit and billing act as to what right the company has to collect? I am requesting further information about items on my credit report. I am requesting full validation. 
XXXX XXXX Balance on XX/XX/2019 {$11000.00} Original loan amount {$25000.00} Account numberXXXX I wish to see the original sources of the information reported. If you cant provide me with this information, please remove these account or correct as in good standing immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, and Fair Credit and Billing Act all information must be accurate, no errors and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
CFPB, PLEASE STOP CLOSING ALL MY COMPLAINTS AND MOVE IT FORWARD. NOT RIGHT YOU ARE VIOLATING MY RIGHTS AS A CONSUMER. HARD ENOUGH TO FIGHT WITH THE CREDIT BUREAUS AND NOW WE HAVE TO FIGHT WITH AN ORGANIZATION WHO IS SUPPOSED TO HELP US. I HAVE SENT CERTIFIED RETURN RECEIPT TO XXXX and no word back, so I am assuming the are agreeing with my findings. 

TO WHOM IT MAY CONCERN : I am a military member on XXXX XXXX. After review all 3 credit reports, I am demanding the below account be removed immediately as it completely inaccurate for the following reasons : a. The type of loan is not accurate as its a credit sale NOT Loan as shown on my credit reports. 
b. The loan is listed as charge off which is not accurate. It was sold. 
c. Current balance or owe balance is also incorrect as you can see what XXXX detailed payments. See attached document by XXXX XXXX. The remaining balance is {$11000.00} NOT {$11000.00} as you have reported. 
I have disputed with the credit bureaus and sent by certified mail with return receipt. Please see attached copy. 
Im exercising my right under the Fair Credit Reporting Act and right under the fair credit and billing act as to what right the company has to collect? I am requesting further information about items on my credit report. I am requesting full validation. 
XXXX XXXX XXXX on XX/XX/2019 {$11000.00} Original loan amount {$25000.00} Account XXXX I wish to see the original sources of the information reported. If you cant provide me with this information, please remove these account or correct as in good standing immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with.

Based on the FCRA and FTC Law, and Fair Credit and Billing Act all information must be accurate, no errors and verifiable.

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 2022-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
An automatic payment was set up in XXXX for an amount of {$1700.00} on a XXXX credit card. The first automatic payment was scheduled for XX/XX/2022. On XX/XX/2022 I noticed that the amount had still not been withdrawn from my checking account. No notice ( via e-mail or push notification ) of payment failure or payment due was received on or after the due date. Signing in to my account I find that the autopay had not only not occurred but had been entirely erased. The option to set up automatic payments was gone entirely and I had been charged a {$29.00} late fee for their negligence.

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 2022-06-23
Company: Experian Information Solutions Inc.
State: OH
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 XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # 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 an 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 explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: IN
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:
I am have hard inquires on my credit that I didn't allow to be on my credit. 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 explanation