BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
This school is complete fraudulent I attended the school without a high school diploma and they offer me job replacement I was unable to do anything with the degree offered because no one honors the school. When I started school I asked them if I would be able to use my credit to go to another institution to further my education no school accepted the credit from this school and yes I now have my GED so that was n't the problem moving forward.i wrote them I disputed because im willing to take legal actions to get my money back so I could receive a loan to go to another school

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Today is XXXX XXXX, 2016. My realtor and I have attempted to get in contact with Flagstar to sell my house for two years. After my initial complaint, it seemed that we did get a bit further with my file and a buyer 's offer was accepted. On XXXX XXXX the buyer requested an extension for the closing date. Our single point of contact initial was XXXX XXXX, then the file was passed on to XXXX XXXX, who never replied to any emails or phone calls concerning the selling of my home. Today both my realtor and I called and was given the Team Leader 's name which is XXXX XXXX. The rep seemed pretty helpful and told us that all we needed to do was provide XXXX XXXX with the Hud1 final and the Closing Document. We sent that over immediately while on the phone with the rep. Everything was confirmed and she replied that he would get back to us by the end of the day. This was at XXXX. Confirmation of receipt was provided around XXXX, called back at XXXX, confirmed reviewing of documents, called at XXXX, XXXX XXXX and XXXX XXXX XXXX were gone for the day. I personally called at XXXX and recorded this message and they told me that they will email again and to call at XXXX central time XXXX. Closing is at XXXX. tomorrow XXXX XXXX, 2016 and we have been trying to get information from Flagstar since XXXX XXXX, 2016. 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 2021-03-11
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
I had a car loan with chase bank. I made late payments. They are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: MA
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:
Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: GOLDMAN SACHS BANK USA
State: TX
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:
I emailed XXXX XXXX for a refund due to work improperly done on my car. 


Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/2021 Merchant name : XXXX XXXX Disputed amount : {$170.00} Amount resolved in merchant 's favor : {$170.00} XX/XX/2021 : I started a dispute with Goldman Sachs/Apple Card. 
XX/XX/2021 : I responded with evidence that I contacted XXXX XXXX for a refund and attached photo evidence of the improper work. 
XX/XX/2021 : I emailed more evidence to Goldman Sachs/Apple Card. 
XX/XX/2021 : I messaged Goldman Sachs/Apple Card customer support to ask about the status of my dispute, they said it was pending. 
XX/XX/2021 : I'm notified that I lost the dispute because I did not submit evidence. 
XX/XX/2021 : I speak with XXXX, the highest supervisor level at Goldman Sachs/Apple Card customer support. He acknowledges that evidence was indeed received, but does not know why the decision is based-on lack of evidence. The case is re-opened. 

It has been months now. I have followed proper procedure, but Goldman Sachs/Apple Card failed to properly handle my dispute. 

Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/2021 Merchant name : XXXX XXXX Disputed amount : {$170.00} Temporary credit : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call that my daughter who is XXXX years old had some kind of outstanding debt. I refuse to verify her birthday because I could not get them, the caller, to verify their business. They claimed to be calling on behalf of Chase Receivables of New Jersey. I did provide them with my last XXXX addresses. However, they said the addresses did not match what they had on file. They called before a letter had been sent to my home. As of right now I still have not received a letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: AK
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:
Equifax is reporting XXXX XXXX account that is not mine i have sent them a police report and ftc report the following credit inquiries are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Con man name XXXX XXXX XXXX DOB-XX/XX/XXXX. 
Has been stealing people identity and con woman to get him personal loans for him. And threatening them mentally and physically abusing them.

I am one of the many victims.

I have a loan for {$6000.00} with navy federal A credit card that is  max out $ XXXX navy federal And many more negative remarks on my credits that are not mine. 

I made a police report last year XX/XX/2019. Ans this items are still there. The more I investigate the more I see how many people have been scammed by him. 

Im XXXX  I cant get a good score credit to move on with my new life. I had to sell my home now I dont have a home. 
Can someone please please help. 

Sincerely 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 2016-10-13
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Midland Finance is suing me for a debt I do not owe. They are out of compliance with the Dodd Frank CONSENT ORDER & FDCPA. Midland called excessively and harassed my family and myself repeatedly. They refuse to validate the debt in question, they have no account level documentation showing any use of the alleged credit card, and they used robo signed affidavits in the lawsuit without the appropriate documentation attached. Midland and its attorneys failed to investigate disputes, they sent letters containing the verbiage forbidden in the Dispute Affidavit Lawsuit, attached an unsigned credit card agreement that does not relate to the account, and are relying on a sellers file but no account level documentation to back it up. They have filled out interrogatory questions stating that the original owner of the debt XXXX is not a party to the lawsuit ; they do n't know the documents they reviewed, but use the affidavit as proof of the debt. The bill of sale from the original owner of the alleged debt clearly states they make no guarantee of accuracy it is up to Midland to research and verify. The scant copies of alleged statements do not contain any purchases just a balance with alleged payments and the data in the statements is unreliable the math does not add up. I have brought to the courts attention that they are out of compliance with the consent order and FDCPA but it does n't seem to matter. I have asked numerous times in numerous court documents for an accounting of this debt and they refuse to provide this information. They do not know what comprises this debt yet they insist it is valid. The affidavits they have submitted are misleading and signed from a template with no attached account level documentation. The bill of sale does n't even reference the account in question. Midland has misrepresented that I have the burden of proof in litigation. Possible identity theft has been brought up in this case and they have refused to investigate. They have recourse through their bill of sale to have the credit company buy back the debt. My Credit Report shows I had a XXXX account but it was paid off and closed. Through discovery we asked for their processes and procedures and none of them would reflect the fact that they have changed their practices to better align with the CONSENT ORDER and honor the FDCPA. I am being sued unfairly by Midland / XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX in the state of Washington . Midland and its attorneys are clearly in violation of the Consent Order and FDCPA. This looks to be an intentional mocking of the consent order they signed. It does not look like they have changed their practices and continue to violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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: Investigation took more than 30 days

Complaint:
Experian has violated several of my consumer rights. Specifically, they failed to validate a debt at my request within 30 days, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. I certified mailed the documents to them which I was notified was received. Not only have they ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character. ALL accounts are to be removed DURING investigation according to 15 U.S Code 1681I ( A ) ( 1.A ). By federal law these accounts are to be removed from my consumer report while a Full and Complete investigation is being done. However they have refused to do. Not only have they refused to do so when being notified by letter. but they also refused to do so several times on their recorded phone lines. I understand that companies who violate these laws are subject to fines. It has been longer than 30 days and they refuse to delete the accounts in accordance with federal law. All of the accounts I am disputing are also reporting inaccurate personal information where its my address, phone, number, name or etc. and they refuse to delete them. This is another violation that they are responsible for as well.

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 2022-03-15
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have applied for PSLF. I am currently eligible under the waiver for full forgiveness. I submitted my paperwork XX/XX/21. I received notification that my employment was approved and the loans were to be transferred from my current servicer to FedLoan, the PSLf servicer. It is almost 4 months later and nothing has happened. My loans are still with the wrong servicer ( XXXX  ) and all parties have No answers as to what the delay is. Others have started the consolidation process recently and been moved to full forgiveness faster. I cant even get my loans to go to the right party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX has failed to comply by not completing investigation within a 30 day period of time as per the law for multiple requests

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I have Never applied for an auto loan with TD bank, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX However, there are two inquiries on my credit report dated for these lenders all on XX/XX/2017. I contacted the lenders, and there were unable to provide me with proof that I applied for an auto loan with them and gave them permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida My sister went to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida, on XX/XX/2022. 

On XX/XX/2022, my sister went to XXXX XXXX XXXX to purchase a 2022 XXXX XXXX for my niece ( XXXX XXXX, where she met XXXX XXXX. Unfortunately, my niece required a cosigner in order to purchase a new car, so my sister called and asked if I could cosign. I asked my sister if she could confirm whether XXXX XXXX would conduct a hard or soft credit inquiry to determine vehicle rates. She asked XXXX, the salesman, and he assured her that it would be a soft inquiry to check rates, and that a hard inquiry would be performed once she purchased the vehicle. XXXX purposefully misled my sister about the credit check. XXXX also persuaded my sister that XXXX should lease rather than buy. XXXX informed my sister that they would begin with a lease and then switch to financing two years from the date of signing, with the lease payment being transferred into the auto financing, which was another con of XXXX XXXX XXXX. Following that, my sister entered my personal information on the XXXX XXXX XXXX website, where a hard credit inquiry was performed despite not making any purchases. 

I attempted to contact XXXX XXXX via phone and email after receiving a hard inquiry report that day, but no one responded. Instead, because I have excellent credit, I received numerous calls about purchasing a car. There had been no response from the executive office or manager for over a month. When I left a negative review on XXXX, they responded with a generic response and refused to take any action. 

Needless to say, after contacting the managers, store manager, and finance department to have the inquiry removed, no one returned my calls or kept transferring me. XXXX XXXX has yet to contact me or the credit bureau to resolve this issue as of today, XX/XX/2022. As a result, I would avoid doing business with XXXX XXXX XXXX XXXX, when I finally spoke with someone in finance, they informed me that soft credit inquiries are never done ; it is always a hard inquiry. So, in order to make a sale, the salesman ( XXXX ) blatantly lied about the soft inquiry. 

In addition, he misled my sister about the lease program. He tried to persuade my sister that if she put down {$1000.00} today, she could lease the car for my niece instead. It could be converted to a finance agreement whenever she decides to purchase the vehicle. which was also false, because the lease would be for 36 months with XXXX XXXX with no changes to the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 right 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 ; TI also state a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have had XXXX XXXX ( Credit Protection through American Express ) for years but decided to cancel on XXXX/XXXX/2017. On XXXX/XXXX/2017, I experience a complete theft of my identity that includes Social Security #, Name, Address, Phone #, All current Credit Card Numbers and personal data attached ( but not the Credit Card Security Codes on the card ). I find this highly suspicious given that I am careful with my information and it was a complete theft of my identity across multiple credit card companies. I alerted XXXX who tried to encourage me to re-enroll in their service. While I do n't believe this is an organized tactic by XXXX, I believe their data has been compromised and they would not take my concerns seriously ( since I canceled my account ). The credit report information that they and the credit agencies have access to is the only place I can think of where this information is readily available in XXXX location, to be stolen all at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: CA
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 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 this account ( 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 erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 this account ( 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 erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : 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