BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: GOLDMAN SACHS BANK USA
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 information incorrect

Complaint:
After months of follow up, phone calls to Apple/Goldman Sachs they have failed to remove the three 30 days late reported on my credit report. This is no longer a dispute as Apple/Goldman Sachs acknowledged that their system caused a failure in my ability to pay the account. They promised to correct this, but several months have gone by and this still shows up on my credit report. This has impacted my ability to obtain a mortgage, now rates have jumped up 2 % higher causing me thousands of dollars in damages. My next step after this complaint is to file a lawsuit for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: SC
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:
According to the fair credit reporting act, XXXXXXXX XXXXl account number XXXX and XXXX XXXX XXXX XXXX account number XXXX have violated my rights. 

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

15 USC 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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:
Hi I am submitting this XXXX XXXX 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 719XXXX has me at a score around 590. 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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-12-07
Company: EQUIFAX, 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:
I sent Equifax a letter disputing account ; XXXX XXXX XXXX XXXX and XXXX hard inquiries from XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX  on XX/XX/2021. In the dispute letter I demanded that Equifax comply with Federal Law 15 USC 1681C-2 ( A ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Equifax received my letter on XX/XX/2021. Today is XX/XX/2021, according to this law Equifax was suppose to block/delete this fraudulent account and inquiries 4 days after the date of receipt. Therefore, Equifax is in violation of Federal Law 15 USC 1681C-2 ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions 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 XXXX Account # 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

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 2022-09-20
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I am submitting this complaint against Equifax after discovering the reinsertion of a bankruptcy on my consumer report. I sent in a letter to dispute reporting of a XXXX XXXX account and their response was to reinsert a bankruptcy that was deleted. I did not give Equifax or any of it's affiliates permission to report this private information. They will most likely respond the way they have previously claiming the information is public and received from a third party. It is not XXXX XXXX because I am opted out of XXXX XXXX and have been for years. It is also not the " furnisher '' because the US bankruptcy court has confirmed they do NOT provide information to credit reporting agencies because it is PRIVATE. I am not interested in a long drawn out battle. I am livid. I demand the items be deleted IMMEDIATELY along with compensation for Equifax 's willful noncompliance in damaging my reputation without my consent or notifying me per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act Fair Collections & Outsourcing, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$10000.00}

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 2022-11-29
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had credit card debt with TD Bank. In XX/XX/2022 a settlement agreement was reached. The lump sum settlement was paid in full, on the spot ( at the time of settlement ). 

A company named XXXX XXXX aggressively contacted ( over multiple phone calls ) in XX/XX/2022 trying to collect the debt not owed ( already settled and paid with the original creditor ). Apparently TD Bank made an error and charged off the debt to XXXX XXXX ( even after the settlement agreement was made and paid ). TD Bank ( recovery department ) has acknowledged that the payment was somehow not applied correctly. They assured me that they would correct the situation and " withdraw the debt from XXXX XXXX ''. I called XXXX XXXX and informed them of this situation and of what TD Bank said. Things were quiet for months. 

XXXX XXXX started repeatedly calling me again. I called TD Bank again in early XXXX and after a long wait, and multiple phone transfers, they confirmed that the account is settled in full ( since XX/XX/2022 ). They said they would send a fax to me to confirm that in writing, and also contact XXXX XXXX stating that the account is settled in full. I never received the fax. 

XXXX XXXX is now again harassing with repeated phone calls and just today ( XX/XX/2022 ) left a long voicemail referencing my name ( and another name ) and debt owed. The voicemail greeting is generic and there would have been no confirmation that the phone number or voicemail belonged to me. This is highly inappropriate. Furthermore, continuing to attempt to collect debt not owed constitutes harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX .... Balance : {$2000.00}

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 2022-07-28
Company: Experian Information Solutions Inc.
State: VA
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 6th venture 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 an alleged fraud or deceit. 
XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} XXXX CARD XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$140.00} XXXX  XXXX Balance : {$94.00} XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX O A ) XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-01-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So one day, unaware someone gained access to my Chase account and tried to deposit a fraud check and because of that action, a few days later, I received a call from Chase stating that my accounts were going to be closed down and I could not further bank with it them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have attached my identifying documents, this is proof of identity for all correspondences for this communication. The credit reporting agency has over reached and violated my privacy rights via 15 USC 6802-Obligations with respect to disclosures of personal information. Consumer reporting agencies may not disclose nonpublic personal information pursuant15 USC 6802a ( 6 ( a ) ) the Fair Credit Reporting Act establishes this protection to me as a federally protected consumer. Per 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.

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 2022-09-20
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I received an email from FedLoan Servicing stating the following : " ... If you made payments and now realize you were not required to, you can request a refund for all payments made since XX/XX/XXXX. '' Being that I made payments towards my federal loans adding up to approximately $ XXXX, I called and emailed FedLoan Servicing on XX/XX/XXXX to submit a refund request and was informed that I would receive the refund in the next 30-60 days. I called numerous times since then ( in XXXX and XXXX ) asking for an update on the status of my refund and was informed of an issue with the Treasury Department that would cause a delay in my refund so I waited another month. I called again recently and was informed that my refund request was canceled on XX/XX/XXXX ( 18 days after my request for a refund was made ) with no valid explanation as to why it was canceled. When I expressed my frustration with FedLoans customer service, lack of communication, professionalism and accuracy, I was hung up on many times and had to call back to start the process all over ( this happened at least 4 times ). When I finally reached someone in the escalation department I was informed that there was nothing that they can do to fix this issue since my federal loans have now officially transferred to a new loan servicer ( transferred on either XX/XX/XXXX or XX/XX/XXXX ; I received 2 different dates ). I have been told by FedLoan that I need to request a refund through my new loan servicer and that it will take an additional 30-60 days to receive it. When I contacted my new loan servicer, they notified me that they have not officially received my federal loan account yet and therefore can not process my refund request. The deadline to receive my refund is XX/XX/XXXX and I fear that I will not receive my refund in time and will lose out on the money that I spent to pay my loans during a period that I did not need to. FedLoan Servicing is completely inefficient and has wasted my time for the past 3 months. I was not informed until the last minute that my refund request was canceled almost immediately after I submitted the initial request. The representative who hung up on me was named XXXX ( # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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 sent another letter to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus correct and update the information being reported on my Credit Report. Previously, I established an investigation of some accounts with erroneous information and after reviewing the Credit Bureaus ' response I perceived that some accounts are still incorrect, with verified status. Related information similar to this is amazingly harmful to my current credit record. Please provide that the particular information is 100 % verifiable and accurate. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law : XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Data Mortgage Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the THIRD complaint I am writing regarding this joke of a company. We applied for XXXX back in XXXX and in the beginning of XXXX they requested verification from this mortgage company. They have yet to receive verification and if it is not received soon we will be declined assistance BECAUSE OF THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: OH
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 name is : XXXX XXXX DOB : XX/XX/1970 SS # : XXXX My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My current telephone number is : XXXX After reviewing my credit report and discovered is still reporting accounts that do not belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure the maximum possible accuracy of the information on my credit report. So, I am requesting you verify the items I am disputing to a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute and obtain either verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously filed an FTC report and a police report.

Company response to consumer: Closed with explanation