BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: GOLDMAN SACHS BANK USA
State: NJ
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 closed this account ( Apple Card ) directly with Goldman Sachs around XXXX due to having several issues regarding GS 's incorrect reporting of my SSN and poor customer service. Once they froze my account for illegitimate fraud without my consent, I decided to close the account for good as that was the final straw. In fact, Apple even gives me the option to apply for the card again which means that the account was closed ( see supporting screenshot. However, the account still shows up as open on my credit report, despite submitting a dispute with  XXXX XXXX already. I need this account off of all of my credit reports completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: TX
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 Account # XXXX, has violated my rights. 

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

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish in account without my written instructions. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
EQUIFAX ( 1 ) Glad CFPB is here ( 2 ) Problem : Media reports of massive data theft, ~ XX/XX/XXXX of EQUIFAX No notification by company.
As advised in media, went to company website. 

Complaint is EQUIFAX poor, arrogant, confusing response : -needed 6 digits of social -received annoying message ( below ) and still unsure what to do. 
-burden needs to be on EQUIFAX , not me, to fix its problems. 

Previously limited contact with EQUIFAX and others in this industry. ( My credit is good. ) But even on those limited occasions, I found this industry to be arrogant and quite able to find all kinds of excuses to not release 'free credit report ' or 100 % of information or freeze credit or otherwise comply with guidelines. 

URGE : -Breakup of EQUIFAX and others. 
-Regulation ( yes, I think government can be force for good ) of entire industry. Just one example, option for EVERYONE to freeze their credit by default with NO charge, NO delay, nonsense. ( Better : opt out of all information collection period. ) -Criminal prosecution of INDIVIDUALS at EQUIFAX .
Thank you very much. 



=========== " Thank You Your enrollment date for XXXX XXXX is : XX/XX/XXXX Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to XXXX and click the link to continue through the enrollment process. 

For more information visit the FAQ page '' ============

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX informed me about a personal loan in the amount of {$620.00}. The information they had was from a previous employer back in XXXX. There was no loan taken out by me personally at that time or ever. The company instructed me to file a claim with the government site XXXX I made an account and filed a claim stating that this was identity theft and was created without my knowledge. Now on XX/XX/XXXX I am still trying to get this taken off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax mishandled personal identification information of myself and millions of others, including names, social security numbers, birth dates, and addresses, putting our credit at risk during the recent security breach. Furthermore, the company discovered the breach on XX/XX/XXXX, waiting more than one month for consumers to be notified. I was potentially affected by the breach, according to their website. The company is further defrauding customers by requiring them to pay for freezes on their credit and advertising a protection service that may require payment in the future, in addition to waiving their legal right to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TD BANK US HOLDING COMPANY
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:
On XXXX XX/XX/2021 Target made a hard inquiry to my credit record that I never authorized. It shows as TD Bank USAXXXX Target, I did contact the bank they couldn't help me. I called Target Fraud Department and they opened a case that will pull that hard inquiry from my credit report in 3 months. I really don't know if that time frame is normal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 always check my credit but today i check it and they post a collection on my credit credit i know i haven't been to any doctor and i ask for all supporting documentation but never receive anything from any creditors so can you please have them to send all letters to me about these accounts. 
XXXX XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 2018

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 2018-10-23
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX Re : IC Systems Inc acct. # XXXX and acct. # XXXX Dear IC Systems XXXX , I have never received any written correspondence from this company. IC systems reinserted a collection to my credit reports with XXXX, XXXX, and XXXX  that results from crime ( s ) that have taken place. This is invalid. I didn't received any services or goods from the original creditor. However, I am still held responsible for this debt. You also have violated the FAIR DEBT COLLECTIONS ACT by adding a collection to my credit reports without my knowledge. Furthermore, you are also in violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit. Still you fail to comply with laws you are legally binded to adhere to. I am forced to led to lead to legal actions with IC Systems if this debt isn't removed. 

Thank you, XXXX XXXX XX/XX/1986

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 2017-09-09
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

Equifax has put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that Equifax rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by Equifax and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions 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:
Theses are not mines accounts

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 2022-06-18
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 had a Best Buy credit card with XXXX $ credit line.I found my credit card was stolen and used for some purchases. 
I reported to Best Buy credit card and also disputed on 3 credit bureaus. 
Best Buy closed the account and removed all debt on my account, but after couple months it is showing I have XXXX $ balance!!!. 
I would report it to you and ask for help because it is hurting my credit.I never had any missed payments or problems with any credit card other than the Best Buy!. 

Sincerely 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 monetary relief
Consumer complaint received 2022-01-18
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
this bank chg a interest fee on amt due XX/XX/XXXX, the whole amt was paid on that date, new bill for XXXX show a interest of XXXX and chg

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax collected personal and critical information on me and my family, and handled it carelessly. This information is now in the hands of criminals who can use it to inflict high monetary and psychological damages on us. Remedial actions are only partial, take time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: U.S. BANCORP
State: DE
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:
o Tickets purchased through XXXX on XX/XX/XXXX in the amount of {$260.00} for 3 tickets to see XXXX XXXX  in Concert on XX/XX/XXXX at XXXX in XXXX XXXX XXXX Maryland XXXX Order # XXXX. 
o XXXX XX/XX/XXXX, received email from XXXX stating that the event that had been scheduled on XX/XX/XXXX then XX/XX/XXXX ; the event was rescheduled for XX/XX/XXXX. ( All due to Covid concerns ) o On XX/XX/XXXX, received an email in regard to event being cancelled that was scheduled for XX/XX/XXXX was cancelled. This email notified me that I would receive a refund of all charges within 30 days. Please note that this email was received 11 days after the event was to occur. 
o I waited for the refund of {$260.00} ; contacted XXXX XXXX late XXXX about refund. I was told by XXXX XXXX that I would be receiving a check in the mail. 
o I was emailed a few days later that the refund was sent to XXXX and was excepted by XXXX so XXXX said there was nothing else that XXXX could do about it. 
o XXXX was contacted and they had no transaction of the refund and that the account XXXX was closed. This account was closed by me sometime in early XXXX I believe because it was too easy to get into debt with the convenience of XXXX. 
o The XXXX was closed, there was no record of receiving the refund from XXXX, but I was told that the refund probably transferred to XXXX XXXX XXXX and they would issue refund ; more phone calls, more run arounds, and no resolution of money owed me. 
o I checked my Fidelity VISA transactions and noticed that I had a refund from XXXX dated XX/XX/XXXX. Great, this whole mess is finally resolved! 
o I again checked my Fidelity VISA transactions again. There was a transaction of a charge reversing my refund on XX/XX/XXXX, XXXX Who stole from me this time? XXXX, XXXX, XXXX XXXX XXXX, or Fidelity VISA? 
o XXXX of this, I want resolution on this in the form of a refund on the Fidelity VISA account immediately in the amount of initial transaction amount of {$260.00}.

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 2018-07-03
Company: Ameritech Financial
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I have attempted to contact Ameritech regarding the payments I have been submitting to them monthly in the amount of {$99.00}. I also paid them document fees that were over {$1200.00}. I have been paying this company for years and this was a complete scam because I could have done the paperwork myself. I did do the paperwork myself. All they did was send it in for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Conn's, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had an account with Conns XXXX XXXX for the purchase of some furniture. In XX/XX/2018, I did a home equity loan with my bank to consolidate some bills. On XX/XX/2018 I requested a pay off from Conns. While I was waiting for the pay off to be sent to me, I sent a screen shot from my online account to my bank that I took on XX/XX/2018, to give them a general Idea of my balance while I waited to receive the official payoff from Conns. The pay off amount was {$3000.00}. I still have that screen shot. I have the payoff statement somewhere but I have to look for it. On XX/XX/2018 we closed on my loan and the attorneys office mailed out my checks to varies companies 3 days later. Conns posted my check on XX/XX/2018 for the payoff amount quoted. Now, a year and a half later, they are trying to say I still owe almost {$500.00}. I contacted support, sent copies of what I have and all they can say is I still have a balance because they didn't receive the check till the XX/XX/XXXX and my pay off was for the end of XXXX? A couple weeks cost me {$500.00}? They will not resolve the issue or explained to me how this happened and why am I just now hearing about a balance. They are trying to pull some shady business practices here. On top of that, I get a call about this at my place of employment! I thought it was a scam at first. That is the only reason I realized there was still a balance. I got on the web page and signed into my old account. I want this resolved and that taken off my account. If there was a balance left over, I am sure it was no where near {$500.00}, they have just let it sit there and accrue interest for over a year. No letter or email and they have my email and address. They send me stuff all the time trying to get me to buy more stuff. I will never do business with this place again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
TD Bank has simply refused to do business without cause and or reason. 

I owed a debt to TD Bank and I paid it back it was a simple {$100.00} debt. 

I received a letter in branch that it was resolved and I could open an account again. 

Then when I tried to it was denied and no clear reason was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CO
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:
Equifax credit reporting agency negligently handled sensitive personal information, and further withheld details of the incident for an improper period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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: Account information incorrect

Complaint:
How do I know that this account has been verified? There is no original creditor listed on file for me to verify that this account is mine! Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of XX/XX/2020 SLS manually reported to the bureaus a principle balance of {$370000.00} plus adding {$14000.00} of the deferred non- interest bearing amount to the balance. This non-interest bearing amount Of {$14000.00} has never been reported on my principle balance to the bureaus. Because of this my score dropped 58 points today, XX/XX/2020. 

The bureaus now show a balance of {$390000.00}. This is not fair to add the {$14000.00} deferred amount in the middle of my loan history to the credit bureaus.

Every month when consumers make payments, the balance should decrease- this helps the credit score Increase - by adding the deferred amount, placed an increased balance and significantly impacted the score.

I am in the process of closing on a home. My new lender is not able to provide a final approval for my loan due to the credit score drop of 58 points.

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 2017-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2017. 

In view of the Equifax problem, I tried to use all the three (  XXXX, Equifax and XXXX ) sites to freeze my credit reports. I could not get any of them to work. 

They do not tell you what went wrong in the process but tell you to mail stuff in or call. 

Of course phone calls were not answered. 

It 's seems clear they are all making it nearly impossible for the normal person to freeze accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: NAVY FEDERAL CREDIT UNION
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:
.NAVY FEDERAL CREDIT UNION DATE FRAUD BEGAN XX/XX/2017 {$5000.00} I HAVE SENT OUT SEVERAL LETTER TO THEM AND CREDIT AGENCIES THAT THIS NOT MINES AND CAN THEY PLEASE SENT DOCUMENTS OF THE SIGATURE ON THE ACCOUNT AND THEY CAN NEVER SEND THIS TO ME. THIS HURTHING MY ACCOUNT ON MY ACCOUNT I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/2019 I lost my job. I kept trying each month to redo my IBR and it kept getting denied. None of the representatives would tell me exactly why. After having to defer my loans for about 5 months as I finally found a job, I was told it was because my husband needed to go to the studentloan.gov website and sign in to co-sign. I was told previously that he would receive an email. He did not receive any emails. They never told me he had to go log in and accept. This caused me to go from owing {$99000.00} to $ {$130000.00}. {$40000.00} in interest when they could have told me what the issue was all along. They also didn't tell me that the interest rates were that high! This seems very underhanded and I would like to have the interest expunged from my account.

Company response to consumer: Closed with explanation