BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
Company: GOLDMAN SACHS BANK USA
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:
the following accounts are reported on my credit report without any authorization, it is hurting me XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
All the collections accounts are on my credit I dont have any idea how that happens. I dont even received formal notice that I have to pay for something that I dont have any idea about. In accordance with the fair credit reporting act convergent Accounts Has violated my rights. 

15 USC1681 section 602 states I have rights to privacy.

15 USC1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my writing instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 2 Capital One accounts which I was trying to close and have the balance transferred to another lender. I was told that the balance transfer will not cost anything. Turns out it was not true. They charge 22.8 % My second account is a master card. I called from Friday XX/XX/XXXX till Sunday evening to have them stop the charges on the account, promised but it never happened and the account was charged an additional {$600.00}. 

The last representative I spoke suggested to hire a lawyer because they won't be able to help of any of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

15 USC 1681 Section 602 states, I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC1681c ( a ) ( 5 ) 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 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 


1. XXXX, Account # XXXX 2. XXXX XXXX  XXXX , Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX XXXX XXXX  XXXX, Account # XXXX Inquires : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-05-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

15.6K

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: TX
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:
Duplicate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX They are reporting my auto loan twice on my credit report, it is listed slightly different but it is the same loan and same account for the same car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2021 I made a purchase at Sam 's Club in XXXX  XXXX. While checking out, I was told if I opened a Sam 's Club XXXX, I would receive a {$100.00} credit. It would be issued immediately making my current purchase free. I said no but succumbed to their pressure tactics and applied for the credit card. I was issu {$18.00} to complete the {$100.00} credit that was to be applied to my card. When I called Synchrony Bank told me that the credit was to be issued {$29.00} now and the remaining {$71.00} in 4 months. I told them that was not was Sam 's told me. They said that is what I agreed to. I had agreed to no such thing and as a matter of fact the only thing I signed was for the credit card purchase of {$82.00}. I called no less than 6 times to get this fixed, to no avail. I then spoke to the XXXX of my local Sam 's club where this all took place and he said there was no such agreement. That I should have received the entire credit at one time. When I asked if he would contact Synchrony Bank with me and explain this to them. He said he was not able to do that. I have paid nothing on this credit card as nothing is due. However, my current balance is {$220.00} due to late fees and interest charges. Synchrony Banks calls me no less than8 times per day since this has all began. I have blocked their number but get voicemails daily. I have saved all voicemails.

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 2022-05-01
Company: Experian Information Solutions Inc.
State: MS
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 has violated my right. 
15 USC1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-07-01
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ditech refuses to subordinate their position in order for us to secure a Harp  Loan  from  XXXX   XXXX  through the Harp  Loan opportunity. They want us to pay for an appraisal plus bring {$7000.00} to the closing. We were already approved for the Harp Loan without an appraisal. We do not have {$7000.00} to bring to the closing. Ditech is holding us hostage by not remaining in second place for our mortgages. Ditech 's interest rate is 8.75 % and our first loan now is 6.75 %. We were able to qualify to lower our interest rate to about 4 %. This is awful that they are doing this to us. We were almost done with our Harp Loan. They ( Ditech ) is preventing us from continuing with our Harp Loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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: Account status incorrect

Complaint:
THIS COMPANY IS IN VIOLATION FOR CLOSING AN ACCOUNT THAT I DID NOT AIUTHORIZE THEM TO CLOSE. THIER REASON WAS I HAVE TOO MANY CARDS WITH THEM AND IVE ONLY HAVE ( 1 ) CARD WITH THEM. 

ACCOUNT : XXXXXXXX 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 2021-12-08
Company: EQUIFAX, INC.
State: GA
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 have been battling with Equifax for roughly 60 calendar days about inquiries that I have no knowledge of thats showing up on my credit report. I have emailed several high ranking officials of Equifax countless times, I have called tons of times, and I even sent in letters in which none was received allegedly every time. This is becoming very tiring and starting to be daily slap in the face as I try to use all avenues to force this company to do their job and remove these inaccurate items. I have a total of 10 inquiries that I would like to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Innovis
State: MI
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:
XXXX XXXX XXXX APPEARS ON CREDIT REPORT, and should not be there. I tried to dispute online and system kept reading error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: TX
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 have submitted my FTC reports and letters to XXXX, XXXX and Experian with no resolution or response.

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 2022-05-01
Company: EQUIFAX, INC.
State: TX
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 have submitted my FTC reports and letters to XXXX, Equifax and XXXX with no resolution or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
company is a consumer reporting agency bur refuses to put a security freeze on my record held by their company, sighting they are not obligated to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When I first bought my home it was through XXXX, and something happened to where XXXX went bankrupt but they never let me know anything, I had requested documents from them as to the note, the payments and how they were being applied the balance but yet never received anything, and due to all this I too ended up filing bankruptcy and then XXXX bought out XXXX and when I was calling I was told to talk to XXXX, but they too never let me know they had taken over til after the fact, and when XXXX talked to me they stated that they were escrowing the account and putting it at a 3.5 percent, and if I received anything from them it would be for information purposes only and that they were not going to reaffirm the loan so it had been discharged with the bankruptcy, I then asked for the documents that they had received from XXXX they never sent anything to me I was immediately again in the dark about what they were doing, and about all aspects of the loan, and it was questions after questions and left unanswered. And then as I kept calling XXXX it came to where they told me that they were no longer over the loan and that I needed to talk to SPS select portfolio servicing, Inc. @ XXXX XXXX XXXX@XXXX XXXX  XXXX XXXX XXXX XXXX, Utah XXXX - XXXX and here we go again no one told me that they were no longer over the loan and SPS did not contact me either, and here I had no documents, and I explained again the problem to SPS and I again received nothing, they are running with amounts and too have handled the loan at the level of information purposes because of bankrupt, but there has been no transparency other than what they say and that is a problem that has trickled down starting with XXXX who left me hanging when they filed bankruptcy, and here I am in this horrible situation of losing my home, and just like XXXX and then XXXX and now SPS this customer rep XXXX XXXX has advised me not to send in any payments, that finally they are sending some documents, what I gave learned unless if you are in this field or very savvy about what they are doing they take advantage of people, I owe more than my house is worth but still is my home and want to keep it that way. I have been in the XXXX XXXX for over 33 years so where else can I run to, I do not know what is or is n't true with these banks or mortgage companies, what I do know is that this mess started with XXXX and here this giant went bankrupt failing its customers, so what do they expect from the little guy. I need someone who knows about these things to look into this because want to lo my home, it is not my fault what happened to XXXX and this mess that has trickled down, thank you, and feel free to contact me @ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: AmeriCollect
State: LA
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 have tried contacting this creditor to remove this inaccurate information from my credit report and i have tried to dispute it several times. I have gotten nowhere, this account isnt mines and i have no knowledge of this inaccurate finding on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Mr. Cooper Group Inc.
State: NV
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:
Contrary to Nationstar/Mr Cooper bank response IN CFPB XXXX regarding XXXX XXXX  and the transferring of Nationstar acct.XXXXxxx it appears according to CFPB bank examiner documents that are attached : NATIONSTAR IS REQUIRED TO REMEDY FOR THE FRAUD OF XXXX XXXX  and furthermore was required to receive substantive elements of the conversations between XXXX XXXX AND XXXX, AURORAS REP at the time of transfer to NATIONWIDE. 

SEE ATTACHMENTS PG4 AND 5 OF CFPB DOCUMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX  XXXX XXXX, XXXX and equifax were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did. Due to the privacy act of 1974 it is very illegal to obtain and share any of my information without notifying me first, Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance per federal law 15 USC 1681n .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX. ) Experian, XXXX and XXXX refuse to remove fraudulent accounts from my credit profile in which is a result of identity theft. 

XXXX. ) Their claims are without facts and they make statements such as the creditor certified the information. 

XXXX. ) Upon my request to to review the certification documents that the creditor certified all credit reporting agencies denied my access to review the file. 

XXXX. ) a creditor must not certify its claims ; it must verify its claims and alleged debts in which XXXX has not verified its alleged debt, there is no original contract between I and XXXX and I have never lived at XXXX XXXX XXXX XXXX XXXX ; XXXX Florida XXXX. 

XXXX. ) therefore no debt can be verified and must be removed and I am no longer to be harassed by XXXX over debt that is the result of identity theft.

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 2021-02-17
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:
I sent a request to Experian to update information. Reporting inaccurately. I notice that account was not reporting credit limit. I never asked agency to validate account. I simply asked them to correct the way this account was reporting. According to fcra info must report with 100 % accuracy. Im showing XX/XX/16 that Experian failed to make correction. This isnt fair please help.

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 2021-12-08
Company: Revco Management, LLC
State: MD
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:
I received a notification from XXXX XXXX about new collection added to my account I viewed my XXXX XXXX report and seen a collection company I had no knowledge of I disputed this collection account several times having no knowledge of this account or ever having service with the collection company and was told company has contacted me and spoke with me and I agreed to pay which is false and incorrect information I never received anything from this company or spoken with anyone the it was multiple attempts to illegally garnish my social security account without informing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you, and you took more than the 30 days the law allows. You are now breaking the law. Please investigate my disputes.

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