BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: GOLDMAN SACHS BANK USA
State: MN
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 act XXXX XXXX XXXX XXXXXXXX with Marcus by Goldman Sachs has violated my rights.

15 USC 1681 section 602 : states I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX {$110.00} XXXX XXXX {$300.00} COMNWLTH FIN {$1600.00} COMNWLTH FIN {$1100.00} COMNWLTH FIN {$550.00} COMNWLTH FIN {$550.00} Every one of these charges on my credit has been fraudulent. I have never received medical treatment from the types of doctors listed, nor anywhere near the dates issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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: Reporting company used your report improperly

Complaint:
THIS IS NEW AND UPDATED INFORMATION : I XXXX XXXX never gave gave Equifax permissible purpose, Pursuant to 15 usc 1681b to REPORT ANY THING ON MY REPORT. Im stating what the law says. They have violated my rights and I demand deletion or well seek remedy.I already contacted XXXX, XXXX, and this complaint at CFPB, According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. 
Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that Equifax provide me proof of my written consent ( permissible purpose ) giving them permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
Equifax continues to ignore my multiple disputes and violation of FCRA and consumer laws.Equifax has added more inaccurate and incorrect information for which I am also asking to be removed. This has the correct attachments do not close this one as duplicate. You can close previous one as duplicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX filed complaint XXXX but the attachment was too big so have scanned it into 3 attachments plus the letter with the pile of documents recd from Bank of America 's bankruptcy and state case XXXX -appeal XXXX attorneys. 
First the state cases where BoA attorneys filed appearance for Government National Mortgage Assoc, FHA and XXXX  an electronic tracking system to get case dismissed using the federal agencies as credibility. Federal agencies use US attorneys not bank paid for private attorneys AND as for the HAMP modification sent by Bank of America to modify their forged FHA mortgage -- in the letter dated XX/XX/XXXX you have 14 days from the date of the letter to call XXXX XXXX-she will answer any questions XXXX XXXX a computer answered number that bounces you all over the country you can fax an appeal to the amount of the payment. Letter date XX/XX/XXXX plus 14 days = XX/XX/XXXX problem? it was received Sat XX/XX/XXXX with XX/XX/XXXX as the deadline to sign or it is void. no wonder 88 % of BoA modifications do not go through -- more money to foreclose and FHA will pay on the insured mortgage except my FHA mortgage is a forgery found in an $ XXXX pool sold to XXXX XX/XX/XXXX I am also attaching what was filed in court. XXXX will be interesting to see the Court 's reaction when XXXX Judges find out BoA attorneys manipulated them.

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 2022-08-03
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
ally was paid XXXX and cashed check incorrectly for the amount of XXXX and i called and was to ; XXXX  they made a mistake so i asked for the correct payoff amount and was told XXXX and to avoid additional interest i sent them a check and after i did they submitted the original check and was paid XXXX and when i noticed it i call and told them not to cash check but they did This all started on XXXX 2022 and that is when the first check was cashed wrong they they redid check and was paid on XX/XX/XXXX and cashed second check on XX/XX/2022 i have been trying to get this corected sinc XX/XX/XXXX so now they say it will take 55 to 60 days from XX/XX/XXXX for me to get my money back so i want my money returned

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 2023-01-29
Company: EQUIFAX, INC.
State: AL
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 tried to contact XXXX, Equifax, And XXXX concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) XXXX guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( Both XXXX XXXX  ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. The XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of XXXX XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : TXXXX 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 The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by XXXX, Equifax and XXXX. Meaning I should be getting a check for {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5800.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Frost-Arnett Company
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an email on XX/XX/2023 from XXXX XXXX telling me that I was one day past due on my bill. I logged into their website and paid my entire bill on XX/XX/2023. The website did not offer a receipt or any documentation that I could use to submit to my FSA. 

On XX/XX/2023 I received a letter from Frost-Arnett debt collections dated XX/XX/XXXX informing me that I owed {$370.00} and that I had been sent to collections. Please note that the letter was dated after I paid my debt and the XXXX XXXX website said I was current. 

I went back to the XXXX XXXX website which confirmed I was fully paid and had no debt. I then filled out a debt dispute form on Frost-Arnett which did not give me a receipt or any evidence that I had filed a complaint. 

I called XXXX XXXX to check on the charge. I spoke with XXXX XXXX at XXXX XXXX who told me that I had to deal directly with the debt collector. XXXX told me she would not allow me to speak with a supervisor. She also informed me that I had to deal with the debt collector. 

I then called XXXX who told me that I should call XXXX XXXX. 

I am in an endless loop now and don't know how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX : {$24000.00} ; XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
On XX/XX/2022 i sent a letter to Equifax to update a rocket mortgage late payment that was being falsely reported. They had updated the payment from 30 days late to current. Then i look at my credit report In XXXX and they changed it back to 30 days late which is a violation. I have attached my letter below. Due tho them reporting this late payment i am back not getting approved for apartment or a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried for years to fix this issue with equifax. I just received a letter stating they do not have an account for my as they moved my file to XXXX when they allowed me to become a identity victim. Also when I went to logg into my equifax account they locked it to say my password was wrong. Now I can't contact them unless I go through a 3 hours integration. 
They can't allow a medical debt under {$500.00} to be applied to me credit without verification this account belongs to me as they don't know my current address as this is an issue as well. 
What ans why are thy allowed to continued to.lie as we the consume suffer these abuses. 
I know there were penal codes to Sue for this however they have since been removed from publication online. 
I need this information removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
Hi, to whomever this may concern, transunion has violated my rights according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I informed them that they're reporting both fraudulent and inaccurate accounts on my credit profile and they are yet to respond to my letter that was sent well over 30 days ago. Transunion isn't taking me or my credit report seriously at all and it's crippling my credit scores and my credit worthiness. I find it extremely unfair that I'm being punished for there mistakes.

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 2022-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new checking account with Ally on XX/XX/XXXX. I did this because I received an email stating that I would get {$250.00} for opening the account and making a qualified direct deposit by XX/XX/XXXX. It also states that the deposit will occur on XX/XX/XXXX. 

I began contacting Ally in XXXX. I have had multiple agents tell me that I have qualified but they don't know why it isn't paid. They keep " escalating '' my case. I have also had 3 agents tell me that too many people took advantage of the offer so there are many people complaining about this issue.

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 2022-12-28
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I want arbitration, and I have been sending Synvous, letters to that effect, but they want to play hard ball on a charged off account, why I don't know. 

I should not have to pay the whole account amount because they have received a TAX benefit from the Government. 

I will sue them if they don't come to the table and resolve this account. 

They are also reporting false information on my XXXX dollar payments to I am providing to show good faith. They are still saying I am paying {$50.00} dollars that's all lies. 




XX/XX/XXXX Consumer Financial Protection Bureau Re : Complaint of XXXX XXXX ; Case # XXXX Our goal is to provide our customers with the best possible banking experience. Our customers feedback is important to us, and we would like to share our findings after reviewing the matter you brought to our attention. 
XXXX XXXX complained he is unable to keep up with whom he owes as the name of the Bank has changed. XXXX XXXX also stated he was told his account was with a collections agency, but that no one was able to tell him which agency. XXXX XXXX claimed Synovus is reporting late payments contrary to an agreement with Synovus that once the card was paid in full, the Bank would remove the negative reporting from his credit report. 
XXXX XXXX account was charged-off on XX/XX/XXXX, in the amount of {$12000.00}. The account is currently credit revoked and it is XXXX days past due. The account has not been current since XX/XX/XXXX. XXXX XXXX 
XXXX last payment on the account was made on XX/XX/XXXX, for {$50.00}. XXXX XXXX requested that all negative reporting be removed from his credit bureau ; however, in the absence of any supporting documentation that this account was charged off in error, the account can not be removed from his credit bureau. Finally, Synovus does not make agreements with customers to remove negative credit reporting in exchange for payment. 
If XXXX XXXX has further questions, he should give us a call at XXXX SYNOVUS ( XXXX XXXX or stop by a branch. Were here to help. 
Sincerely, XXXX XXXX XXXX Complaint Resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: U.S. Equity Advantage Holdings, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I received a check # XXXX for {$77.00}. Per the letter I was being reimbursed for the enrollment fee. However, after reviewing my paperwork it shows my enrollment fee was actually {$390.00}. See below for a screenshot of my paperwork. I am requesting a check for the full amount

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
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:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.

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 2022-09-30
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was banking with regions and my account was overdrawn and even after paying back overdraft I was still charged excessive fees, I called to learn more info about the fees and why they just stated I used money that wasnt there and it was and was stil charged multiple nsf fees.. my account has been closed and sent to creditor

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