BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: AL
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:
Here again - another account that was disputed several times with Equifax and it has not been deleted. I filed a 1692g letter with the collector XXXX XXXX and they failed to respond ; furthermore, I called XXXX XXXX and I was told the account would be deleted because I do not owe the money. I paid the doctor way before any collections and I never had any contract or association with this company. Equifax has failed to properly investigate this account under FCRA and XXXX XXXX has violated the FDPCA and FCRA by reporting a debt I do not owe, and failure to respond to a formal 1692g letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: MA
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-03-10
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I use US Bank as my mortgage lender. Since last XXXX ( 2019 ) I have been severely overcharged for taxes. My home is in XXXX, MA. According to US Bank, they have over $ 15K of my money in a special account. They won't discuss it. Every time we call we get a new banking person who, of course, has no idea what is going on and they always need " time to research the issue and we'll call you back. '' Of course, they never do. I'm on the phone with them now and again, it's someone who has no idea of what is going on and she'll have to research it..... again. 

This is BANK FRAUD and I can't get anyone to help me. The Attorney General of Massachusetts wants nothing to do with this. They referred me to the DOR. They laughed at me and said " we only deal with MA taxes. Why did the AG send you here?? '' They sent me to the Banking Commission and they said they only deal with banks chartered in MA. The Banking comish sent me to you folks. 

The loan # is XXXX. I want some of that $ XXXX applied to the two months allegedly in arrears and the rest in my pocket.

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 2015-10-26
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2012, I was covered by health insurance plan with XXXX and do not owe any outstanding balance for this account. Please provide me with information pertaining to this account that proves that the bill was not settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: OH
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 several account on my credit report that I have never done business with these companies. I have filed a police report and a CFPB Complaint as well yet the negative fraudulent accounts still appear on my credit file. Please delete / remove the following accounts 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 explanation
Consumer complaint received 2016-03-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian has a wrong Social Security Number in my file and is not correcting this wrong information. 
I do NOT have a Social Security Number, and I can prove it with a official document issued by the Social Security Administration stating that I was never issued a Social Security Number. 

I have already disputed this information MANY times via fax, telephone and also Postal Service. 
already disputed this information more than 5 times and Transunion does n't take action to correct this!

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 2017-01-10
Company: GREAT LAKES
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My balances keep increasing and I am on a IBR. I have yet to obtain employment in the field of study, and it is impossible for me to pay back those loans. They continue to raise my balance and it has affected my credit score severely! I am preparing to apply for another IBR, and I do not want my balances to continue increasing. I just can not afford it, I do n't know what to do. I can not afford to pay these loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions 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:
I am interested in processing disputes for all inaccurate information on my credit report with experian. checking my file ive noticed alot of invalid data. review the information submitted an delete all files that are inaccurate to help clean my credit report asap.

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 2020-12-28
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE OR BLOCK FROM MY CREDIT ASAP..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: First Credit Services Inc.
State: MA
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:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: OH
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of XXXX XXXX XXXX # XXXX my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: SYNCHRONY FINANCIAL
State: MI
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:
On XX/XX/2020 I placed an order on XXXX  using the XXXX MasterCard ( synchrony bank ) and never got the order, the purchase amount was {$1700.00}. I filed a dispute and ended up getting my money back. I then placed another order from the same person on XXXX for the same amount on XX/XX/2020 thinking maybe the first one was just a fluke. But this item didnt come in either well after the expected delivery date so I filed another dispute. This dispute has been on going since then and has had no action taken against it by XXXX MasterCard, I have called maybe 50 times from the time of the dispute until now and still have not gotten an answer. Every time I call Im told its going to need to be re-evaluated and they carry the dispute out again for 90 days. Finally about a week ago I got an affidavit form, this is the first form I was ever told to fill out after almost 11 months of waiting. I filled the form out and sent it over and got a response today, the response was in 30-60 days we will review the document submitted in order to give you an answer. The problem is, that no one has taken any action, every manager Ive spoken to has taken the situation lightly and payed it no mind and just kept telling me to wait and now Im sick of waiting Ive given them a whole year and still havent gotten any response. If I give them 60 more days the dispute will be going on for 1 year and roughly 2 months. I have never in my life have ever had a dispute experience like this, and neither has anyone I even know. This is why Im choosing this route to escalate the 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 monetary relief
Consumer complaint received 2015-06-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am a XXXX veteran. I had fallen and I told the ambulance driver to take me to VA hospital, they said no they will kill you there. I have spoken to XXXX. XXXX they were supposed to have this taken off. I have been unable to get Experian to take it off. I have a company who bought my lien from XXXX. That was supposed to have been taken care of when I filed bankruptcy XX/XX/XXXX. I have been trying to keep my house from foreclosure. XXXX a company I had never heard of sent me a certified letter telling me I had 6 days to come up with XXXX for a XXXX. Loan I had been making payments since XX/XX/XXXX. I am going to close on XXXX XXXX. My interest is at 11 % I had paid my XXXX mortgage XX/XX/XXXX they never contacted me. I have been ripped off by attorneys, XXXX that tried putting me through another chapter XXXX, XXXX kept XXXX. The other was through legal aid. XXXX XXXX XXXX a month after 4 month 's told me they did n't have jurisdiction in Texas took 3 months to get my money back. XXXX took XXXX a month for 6 -7 month 's, told me that they could n't help after telling me lies. I have not received my money or anything showing what they did for me. I never went through bankruptcy but they say it will stay on my credit report for 7 years. My credit score has cost me XXXX and I do n't know why they are able to destroy you. Why was XXXX never on my credit report, why did I just have 6 days to keep my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Citizens Bank charges {$250.00} to subordinate a Second Mortgage which is fine but they will not allow the borrower to pay the charge within the closing documents and the borrower can't pay directly. It can't be shown on the LE as a borrower-paid charge per Citizens. the charge must be paid by the lender or the broker which is me. So I'm having to pay a fee that isn't on the LE out of my own pocket which seems a violation of the law. I've attached the 1st page of their instructions stating the fee and who is to pay and how it can't be on the Loan Estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I originally contacted Experian with a dispute on XXXX XXXX, 2015. I never heard from them. I contacted them by Telephone on XXXX XXXX, 2015 informing them that i had not heard back from them. So mailed me a credit report and that account that do not belong to me and is reporting inaccurate personal information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a letter from Pioneer Credit Recovery claiming I owed NY State {$1500.00} in income tax. I called to tell them this was incorrect. They " transferred '' me to a NY State tax official, but it was someone impersonating a government official. I stupidly gave them my SSN and maybe my DOB. I fear that they will use this information for future fraudulent action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Southern Management Systems Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX due XXXXXXXX XXXX was sent but no response XXXX XXXX due XXXX XXXX was sent no response XXXX XXXX due XXXXXXXX XXXX  was sent but no response I need clarification on why there are incorrect reported marks on my credit A collection is by default late and past due. Delete this account due to innacurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Premium Credit Bureau
State: NJ
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Attention : PREMIUM CREDIT BUREAU Credit Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear PREMIUM CREDIT BUREAU This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PREMIUM CREDIT BUREAU Made on : XX/XX/2020 Made with : XXXX & XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Total due XXXX Letter was sent but no response XXXX Total due XXXX XXXX was sent no response Equifax Total due XXXX Letter was sent but no response I need clarification on why there are incorrect reported marks on my credit A collection is by default late and past due. Delete this account due to innacurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have received a letter from my online bank Marcus by Goldman Sachs dated XX/XX/XXXX, that my CD account will be closed on XX/XX/XXXX. My CD account has a 12-months  term. It was open on XX/XX/XXXX and it matures on XX/XX/XXXX. 
The letter from Marcus didn't provide me with any reason as of why my account will be closed. 
I contacted Marcus and I spoke with 2 of their supervisors about this issue. They both could not explain me why my account is being closed. One of those supervisors by the name XXXX told me that that was a business decision made by the bank. 
I strongly disagree with the bank 's decision about closing my CD account before it matures on XX/XX/XXXX. 
I locked a high interest rate when I opened my account back in XX/XX/XXXX, and I will lose a considerable amount of money, if the bank closed my accounts prematurely before the 12-months term is up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was the victim of a scam six years ago for a large sum of money. I was sent fraudulent checks, which I was not aware of at the time, and my bank cashed those checks out to me even without the necessary funds to cover the checks. Thinking that this money was from a legitimate employer I cashed the checks and I sent the remaining money as they had asked. I was still in college at the time. Bank of America closed my account and made me pay the money back through a debt collector. Worried that my credit and reputation was at stake, I setup payments and paid all the money back. Still any time that I try to open a new bank account, I am rejected even though I have good credit and no other complaints on my history besides this one incident. I am always told that I need to talk to the " Risk Department. '' They then tell me that there is nothing they can do to remove my name off the alert and have me contact the XXXX ( XXXX ). When I call that companies customer service they tell me that there is nothing they can do and that Bank of America is the company responsible for removing my name from the list. Thankfully, I was able to get an account with another bank by starting out with a very limited savings account and was allowed to have a checking account after we " developed a relationship '' and I was put on a trust list with their bank. I can not even be added to my wife 's Bank of America account due to this issue. My credit score is really good and we are looking to buy a house soon. My loan specialist really wants both of our names on our bank accounts. Because this has been such a hassle, my wife is probably going to have to close her account with Bank of America and put all of her savings into my account with my bank ; therefore creating more work for her. My wife 's account is where the majority of our financial savings lies and we need to be able to show that for the home loan we are applying for. I do not understand why I am not able to be cleared even after I have paid all of the amount of the scam off. Though bank error was also a fault in the issue, I paid all of the Claim amount to the debt collector by XXXX of 2012 in order to try to reestablish my reputation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Advance America, Cash Advance Centers, Inc.
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone called my cellphone and stated that my husband had taken out a payday loan in 2017. They had the last four of his social. I stated that he never took this loan out and if I needed to contact a lawyer I would. He said have a nice day and hung up. Im very concerned they have personal info on my husband and my cellphone #. The # they called from was XXXX XXXX XXXX XXXX XXXX. What can I do to protect us from identity theft.

Company response to consumer: Closed with explanation