BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
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: 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. 

The following creditors have violated my rights. 

Creditor : XXXX XXXX  Account number : XXXX Amount : {$390.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3200.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$260.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3400.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3900.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$520.00} XXXX Creditor : XXXX XXXX Account number : XXXX Amount : {$330.00} Date : XX/XX/XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX 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, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Their investigation did not fix an error on your report

Complaint:
I am writing to submit a complaint against Experian for noncompliance with the Fair Credit Reporting Act ( FCRA ). I recently received a response from Experian regarding the investigation of disputed items on my credit report. However, I believe that Experian has not fulfilled its legal obligations under the FCRA, as outlined in the attached letter. 

Despite my efforts to dispute inaccurate information on my credit report, Experian has failed to conduct a proper and reasonable investigation into these items, resulting in the disputed items remaining on my credit report. Furthermore, Experian has directed me to contact the credit grantors directly, which shifts the burden of verification onto me, in contravention of the FCRA. 

I demand that Experian take the necessary remedial actions to comply with the FCRA requirements, including the removal of all disputed items from my credit report and a new, comprehensive investigation into the disputed items. Additionally, I request that Experian notify all creditors and credit grantors who have received my credit report in the past six months of the corrected information. 

I have attached the relevant correspondence and documentation to support my complaint, and I request that the CFPB investigate this matter promptly. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-17
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Employee of the bank accompanied by another employee has confirmed verbally that based on my account status my husband was never interested along with opening up about his son doing s marriage investigation about a girl 's marriage he liked and wondered if that me. Employee of the bank reference his son being in an organization which might want to check me out or I will have to pay because I am not from there but I would have a good life with his son. Employee of the bank due to knowing about an investigation and stalking experienced post the visit at the bank in XXXX Massachusetts and XXXX XXXX, constitutes unfair information trading and Privacy Policy violation. The employee no longer works there however the victim of that conversation and unemployed woman believe that employees son inflicted her chances to land employment at least in XXXX Employee engaged in forbidden conversation.

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 2023-03-17
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I filed an XXXX credit dispute [ Report Number XXXX ] with Aidvantage regarding false and incorrect information on my XXXX credit report relating to a 90-day late payment on nine education loans with the agency listed solely in XX/XX/XXXX, despite that according to its own records my loans were on-time and current for XX/XX/XXXX and preceding. [ The same is true for reporting on XXXX and XXXX ]. The dispute and investigation returned back with no changes made to the reporting. 

On XX/XX/XXXX, I spoke with XXXX agent XXXX regarding the dispute above report, asserting that a 90-day late payment can not exist immediately following the agencys own reported on-time payment the month prior and that I was seeking remedies to the agencys and Aidvantage 's failure to correct the issue. To this end, XXXX, in recorded statements, stated the following ( consecutively ) verbatim : XXXX ( XXXX to XXXX ) : I just want to see what other dates where theyre showing anything past due because it doesnt make sense youre right it doesnt make sense that it goes from nothing past due all the way up to 90 days late. So lets redispute it and we can get those facts in. 

XXXX ( XXXX to XXXX ) : It is showing current on XX/XX/XXXX... then it went straight from current to 90 days ... they reported twice in that month... that's strange... they reported on XXXX and they reported on, again, the same month, XXXX that you were 90 days late ... '' XXXX ( XXXX to XXXX : " There's definitely things they need to fix ... and people think that XXXX can fix it and we can't, we can only be kind of your in-between person helping you get it disputed... I know it's frustrating but I'm going to go ahead and put that it shows 'on-time and current ' on XX/XX/XXXX ... '' XXXX ( XXXX XXXX XXXX ) : This should not be showing 90 days past due It showed on time and current on XX/XX/XXXX. Then went directly to 90 days late and reported twice on XX/XX/XXXX and XX/XX/XXXX. 

I would go to file a dispute again given Kims claim that she would be providing the additional information, as well as her own accounts based on the information she gathered and perceived on XX/XX/XXXX [ Report XXXX XXXX ]. However, this dispute, too, would be denied any changes, alterations or explanations. 

See the recording between XXXX and " XXXX '' at XXXX. Time stamps refer to audio time locations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
0n XX/XX/2023 i tried to withdraw XXXX $ that was transfered to me a few days earlier. when i tried to withdraw the funds at XXXX at XXXX XXXX XXXX the funds were not avalable. i have not been able to access my account on line. i have card and atm reciepts. please advise thank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX and XXXX credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them, that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : MACYS/XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}

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 2023-03-17
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regard to my recent credit report. After reviewing it, I have found several inaccuracies that I would like to bring to your attention. 

Firstly, I have noticed that my name has been incorrectly listed as XXXX XXXX. This is not my name, and I request that you delete this information from my report immediately. 

Secondly, I have also found an incorrect account number listed under my name as XXXX. This is not my account, and I ask that you remove it from my report as soon as possible. 

Thirdly, I noticed that an incorrect address is associated with my account. The address listed as XX/XX/XXXX is not my address, and I request that you delete it from my report. 

Furthermore, the address listed as XXXX is also incorrect and should be removed from my report. 

Lastly, the address listed as XX/XX/XXXX is also not accurate and should be deleted from my report. 

I understand the importance of maintaining accurate credit reports, and I appreciate your attention to this matter. Please let me know if you require any additional information from me to complete these changes. 

Thank you for your time and assistance. 

Sincerely, 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 2023-03-17
Company: Go Companies, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Closed on XX/XX/22 Seller owed taxes from XXXX and amount was included in his closing cost. 
Taxes were not paid to county treasurer by mortgage company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
XXXX XXXX University sent me a student federal financial aid stipend in the form of a check that was over XXXX XXXX dollars and that check never made it to me. When I notified XXXX XXXX XXXX, I was told I was on my own, even after I made a police report, and filed a ton of complaints due to the identity theft, fraud, and forgery. I have repeatedly tried to ask the school to do the right thing, report the fraud, and reissue the check, and I've even asked Aidvantage to discharge the loan amount that never made it to me. No one wants to help me, and it's not right I pay back a loan that never made it to me that was sent by XXXX XXXX XXXX. Aidvatage Fraud Department told me that XXXX XXXX University needed to report the fraud since they were the issuer, however the XXXX refused to do so. The detective in Texas XXXX  said he can't do anything because the XXXX told him they couldn't determine a victim which is absurd. The individual who did this has pending charges for all the things she has done to people, which is in XXXX XXXX, Texas at the XXXX XXXX. I am awaiting the DA to contact me so that I can send him all this proof I have so that they can add to their evidence for prosecution. All I ask is for my loan servicer cancel the portion that was stolen, or for XXXX XXXX University to reissue the check. No one seems to want to do anything about it and I have been chasing my tail for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/22 capital closed my account with no far warning after making a payment on my account. Theyre in violation of the securities exchange act. I called numerous times but capital one as willfully been in noncompliance. They have damaged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: GOLDMAN SACHS BANK USA
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
An initial request for any and all documents in relation to or regarding the account in question were requested on XX/XX/22 via email. Greensky denied having any other documents excluding those accessible via their web portal - related to the account after months of pursuing. On or around XX/XX/22 a rep stated, via a recorded telephone conversation, other documents were in fact in existence, yet I was not allowed to have them. I repeatedly asked for the documents, she repeatedly denied the requests. 
Greensky has violated my consumer rights by denying access to any and all documents in possession associated with the account, Greensky actively concealed my access to the information despite acknowledging its existence. 

Greensky has violated the following but not limited to Section 609. Disclosures to consumers ( 15 U.S.C. 1681g ), Section 610. Conditions and form of disclosure to consumers ( 15 U.S.C. 1681h ), Section 616. Civil liability for willful noncompliance [ U.S.C. 1681n ], and Section 617. Civil liability for negligent noncompliance [ U.S.C. 1681o ] which is legally enforced by but not limited to Section 621. XXXX XXXX [ 15 U.S.C. 1681s ] of the Fair Credit Reporting Act 15 U.S.C XXXX Greensky has violated the terms and conditions of the Loan Agreement. Via a recorded telephone conversation, on or around XX/XX/22, XXXX XXXX refused to honor and uphold the terms and conditions on page 7 of the companys agreement which states : Your Rights If You Are Dissatisfied With Your Payment Card Purchases If you are dissatisfied with the goods and services that you have purchase with you Loan, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true : 1. The purchase must have been made in your home state or within XXXX miles of your mailing address, and the purchase price must have been more that {$50.00}. ( Note : Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that you the goods and services. ) 2. You must have used your payment card for the purchase. 
3. You must not yet have fully paid for the purchase. 
If all if the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at : GreenSky Program Attention : Disputes XXXX XXXX XXXX XXXX, GA XXXX You may also contact us at XXXX While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you delinquent. 

XXXX stated she agreed that my efforts met the requirement to honor the right to not pay yet would not honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have identified several items that I believe are inaccurate, and I request that you investigate these items and take appropriate action to correct or remove them. 

Firstly, I have no recollection of authorizing the credit pull by XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, respectively. Therefore, I demand that these inquiries be removed from my credit report. 

Additionally, several inquiries were made without my authorization, including inquiries made by XXXX XXXX, XXXX XXXX XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. As these inquiries have reached the statute of limitations, I request that they be removed from my credit report. 

Furthermore, I dispute the accuracy of several accounts on my credit report. Specifically, I request that you verify the payment status, balance, comments, payment history, and account number for the following accounts and either fix or delete them from my report completely : XXXX ( account number : XXXX ), XXXX ( account numbers : XXXX and XXXX ), and XXXX XXXX ( account number : XXXX ). 

I also dispute the account reported by XXXX XXXX XXXX, XXXX ( account number : XXXX ) as I have no record that this account belongs to me. Therefore, I request that this inaccurate information be removed from my credit report immediately. 

Finally, I request that you investigate and correct the incorrect late payments reported on my XXXX ( account number : XXXX ) and XXXX XXXX ( account number : XXXX ) accounts. These accounts were reported as updated, but the same incorrect information is still being reported. 

Thank you for your attention to this matter. I expect a prompt response regarding the action taken to correct the inaccuracies on my credit report. 

Sincerely, 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 2023-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My XXXX Credit Report reflects multiple collection accounts for the same alleged debt. Derogatory marks include a collection from a Kohls, as well as 2 accounts for Capital One, NA ( which I believe are duplicates again, like my Liberty Mutual duplicate accounts ). XXXX XXXX, The Bureaus AND Kohls are all reporting collections. Kohls credit card IS Capital One, N.A, and not a separate account. This is causing 3 collection accounts o my credit report. I have also satisfied the balance with XXXX, and therefore these 3 should be removed rom my account.

I requested the Bureaus send me ALL documentation associated with this alleged debt, including all applications, and ALL statements from the original creditor, and all I received was one billing statement from the Bureaus. ( Nothing rom Capital One, N.A. ). 

These debts need to be removed rom my credit report for all of the above stated reasons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: OK
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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Byrider Franchising, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ), as I was never told I had 3 days to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. J.D. Byrider failed to clearly & conspicuously disclose all my rights as a consumer including but not limited to my right of rescission.

I participated in a consumer credit and not a loan ; Pursuant t

o 15 U.S. Code 1602 ( i ). Take further notice that Pursuant to 15 U.S. Code 1605, the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, which was never disclosed to me b
y your organization in direct violation of this law.

J.D. Byrider also accepted a CASH down payment of {$200.00} violating 15 U.S. Code 1605 which clearly states : The finance charge does not include charges of a type of payable in a comparable transaction.

Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) ; one can be fined up to {$5000.00} or face imprisonment for up to one year, or both, for giving false or inaccurate information or fails to provide information which he is required to disclose. In this case you, J.D. Byrider, willfully violated this law when you failed to disclose and provide all information clearly to me as a consumer.

Company response to consumer: Closed with explanation