BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My attempts to contest some issues on my report have been unsuccessful. I'm asking you to check into this situation because the FCRA mandates that you do so. I shall be forced to think about legal action if you don't abide by the FCRA 's requirements. The accounts are listed below : XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Balance : {$120000.00}, XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: ND
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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: Store credit card
Issue: Problem with fraud alerts or security freezes

Complaint:
I received information that a credit account was opened using my information. I did not authorize this account. The perpetrator used the card linked to my information and my credit score is negatively impacted along with thousands of dollars in charges. This has happened twice with the same bank : Sychrony. I would like a freeze to be placed on my credit that no accounts may be opened until this matter is resolved.

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 2023-10-10
Company: EQUIFAX, INC.
State: AR
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:
Dispute filed on XX/XX/2023 about the 2 fraud accounts on my name. One account was deleted but the other one is still on my name. It is affecting my credit score and it is showing very low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Nelnet, Inc.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was placed in an " IDR PROC ADMIN '' forebearance. This means that despite the fact that I am on the SAVE plan, interest is accruing. My payments are currently {$0.00} a month under SAVE, I don't need the forbearance which will just increase my interest and overall balance for no reason. 

I tried calling Nelnet and was unable to reach them due to long hold lines. I sent them an email on XX/XX/XXXX and received no reply as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Defrauded, scammed and held hostage by a moving company / moving companies that do not have a license to operate in New Jersey and by company and companies that does not have a mandatory active XXXX XXXX XXXX XXXX XXXX 

We have XXXX XXXX XXXX XXXX XXXX  of damage to our home and property. 

Prior to the second shipment being delivered, XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX movers emailed us on Wednesday XX/XX/XXXX at XXXX stating that we the XXXX shipment will not arrive on site and will be held at a different location nearby until we wire him money to a strange account, that is not in the agreement. We were instructed in his email and his movers would not come to the house and be at XXXX location until we wired money. Wiring money was not in the agreement. He refused to apply discount nor take credit card per agreement and email from XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I replied XXXX XXXXXXXX that we will not wire money because its not in the agreement and that he needs to apply the discount upon delivery as promised in agreement. 

XXXX XXXX XXXX XXXX  XXXX, who promised discount, blocked my phone calls and refused to call us back as we dealt with this on-going nightmare. 

Once again we were in another standoff and XXXX situation for our items, which were XXXX XXXX XXXXXXXX  as we were instructed that the driver would not wait past XXXX XXXX at another location until the wired funds hit his account at XXXX XXXX  XXXX 

XXXX, had XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We were forced to wire an additional {$4700.00} from my Capital One Account to wire transfer to his Bank : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX Routing # XXXX Account # XXXX or they would hold our XXXX  XXXX and then charge us holding fees. 

The second shipment came late as well and came XXXX XXXX. The movers then wanted more money upon delivery. 

The {$2000.00} discount was never applied like promised, and we were held XXXX to get our items back. 

The first shipment was delivered by guys hired via XXXX XXXX XXXX  and not professional movers, which we had hired per agreements. 

This is afteXXXX XXXX XXXX XXXX charged me {$8000.00} to my visa even though they were not apart of the contract. 

I also never even XXXX  this company, they were outsourced by XXXX XXXX XXXX, who's owner has been XXXX  of XXXX  and XXXX  customers as well. 

These companies do a lot of business together and all of their reviews are littered with XXXX and fraud complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: LoanCare, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After a thorough review of my credit report, I have identified discrepancies in the reporting of late payments. I am disputing the inaccurate reporting of late payment information on my credit report for closed and settled accounts. The other bureaus were able to update their report accordingly. I am questioning the process of investigation you are conducting that is different from other bureaus. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there were late payments on the mentioned accounts, and I take full responsibility for the delays. However, I want to emphasize that the accounts have been closed and settled. The late payments occurred in the past, but I have since addressed and resolved these issues by closing and settling the accounts in question.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-24
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: Personal information incorrect

Complaint:
There is inaccurate personal information on my credit report, including incorrect addresses.

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 2023-11-14
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have been arguing with apple card support for months now on these charges i have gone round and round no one at apple card nows what they are doing if i dint get my money back im going to sue them report them ro BBB and attornet general There are three charges that i dispuited XXXX market place for XXXX i spoke with a rep at apple two weeks and we disguessed this. The merchanet gave me refunds for the amounts of {$110.00} {$33.00} $ {$40.00} {$20.00} which adds upto {$210.00} .i sent back all of the merchandise which i upload tracking numbers showing this severall times. When i spoke with an apple rep two weeks ago told them this and he said to upload documents and rracking with i did. I get a message this morning saying that the charges will remain on my account i message in and get a nasty person that refused to listen to me and would not re open the dispuite. They are trying to fraud me of my money. I sent the whole entier order back and have uploaded documentation severall times it seems no one at apple card knows what they are doing. I have gone back and forth for months on this issue. I messaged in through there app severall times and finally spoke with someine two qeeks ago that said i had been given a partial refund and to uplod the documents to get a full refund i did that and they are stil giving me a hard time. The second charge of {$170.00} from XXXX again i returned all the merchandise and was told by apple card that the merchant gave me a refund but on my statement it shows merchant denied it. I am owed that money cause i returned all the mefchandise and sent tracking number. The third charge of {$180.00} from home depot i placed an order which home depot cancelled due to shorteges and iteams being out of stock. They never shipped the merchandise so i have nothing to return to them. They stated that they gave me a refund but never did. I want to make sure that this is understood. i placed another order from Home Depot for the samething and ended up making returns which they did refund me. But to be clear thats not the same order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Thursday, XX/XX/2023. Connected to the online chat agent requesting to discuss the XXXX  Recovery Options available to me coming out of a XXXX Forbearance. The agent initially said that there were no XXXX recovery options available for my FHA mortgage XXXX After letting the agent know that I spoke with someone from HUD who specifically guided me in what to ask for regarding this matter they said that they would look into options, but that they still needed more information. I let them know that I was advised that they were obligated to review my options for coming out of forbearance without additional information aside from that I was not able to begin making my pre-forbearance payment again, and asked if that was not the case. They did not give an answer to this. I asked for a transcript of the chat and was told they could not provide one. It seems obvious that Rocket Mortgage is attempting to not adhere to HUD/FHA guidelines regarding XXXX Forbearance/Recovery options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had an unauthorized charge every month for XXXX since XXXX and a charge of XXXX. They were pretending to be my XXXX XXXX servicer. I contacted my bank XXXX that I did not authorize this because it was fraud and they responded to the claim telling me that since they provided my social security number and street address that I did infact authorize it and there was nothing else they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Designed Receivable Solutions, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a medical bill on my credit report fraudulently I disputed this account XXXX the XXXX 2022 On XXXX the XXXX 2022 is still appear on my account my account I disputed this account again XXXX the XXXX 2022 on XXXX the XXXX XXXX it still appears on my account XXXX the XXXX 2022 I'll dispute it this account again on XX/XX/XXXX XXXX 2022 is still appear on my account XXXX the XXXX 2022 I disputed this discount again on XXXX the XXXX XXXX is still apparent on my account And it's also on my credit report twice The same account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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: Was not notified of investigation status or results

Complaint:
There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. Please see attached documents for these accounts I am complaining.

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 2023-11-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting 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 Accounts : XXXX XXXX, Synchrony Bank, and XXXX XXXX XXXX  15 USC 1681 USC section 602 states I have the right to privacy 15 USC 1681, Section 604 a, states that a consumer reporting agency can not furnish an account without written instructions. With all these laws in place for the consumer, they still violate them every day. Enough is enough!

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 2023-01-10
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Under the CFPB debit credit reporting changes as of XX/XX/2023 no medical debit under {$500.00} is legally allowed to be reported to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive attached below the documentation proof showing that the account has been paid in full. I would like to request this notification be sent to XXXX to update my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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:
XX/XX/XXXX submitted dispute with XXXX regarding COLUMBIA DEBT RECOVERY XXXX XXXX GENESIS, that is listed on my credit report.

When my son first received the email from Genesis on XX/XX/XXXX there was not an itemized list of what amounts represented, there was indication of date owning there was just a final total of {$7100.00}. I never received an email only my son received. We were co applicants on the lease. XXXX XXXX leasing employees only sent emails to my son. 

I wanted verification that the amount listed as owning was accurate and from what period this amount is dated. 

XX/XX/XXXX I received notification that the balance was correct. Which does not address my issue with validation, no information on dates, what charges represents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: CA
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 disputed 2 accounts numerous times that say current payment status is " in collections/charge off and account status is derogatory. Both accounts are paid off, transition refuses to correct it yet on full credit report it shows the negative info but in account section it doesn't. It shows paid. I have tried for over a year and a half to get this corrected and they are telling me I am wrong that it had been verifiedXXXX XXXX XXXX XXXX was paid in full well before it became a charge off and XXXX XXXX was also paid. Neither account is still in collections or a charge off. All three credit bureaus show the negative info and neither the bureaus or lenders seem to care to change it. It has dramatically affected my interest rates as well as score since it shows as a derogatory account. XXXX XXXX agreed to remove this from my reports if I paid in full yet still won't do it. XXXX is also reporting that there is still 100 % of loan to pay off when it is completely paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-08-14
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief