BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern : I am writing this letter to dispute this debt collector off my credit report. I have reached out previously to XXXX XXXX XXXX requesting that they provide proof of validity of debt, in which they only provided a partial amount. They placed 1 items on my credit report one for the balance of {$2000.00}. These debts are not mine. I am requesting that they be removed off my credit report. 

I have enclosed the letter I sent out to the company previously and their response. I had previously filed a complaint with them to dispute the items. Please remove all three items from report they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: The Savings Group, Inc.
State: FL
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/XXXX RATE GENIUS XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX I had an issue with Capitol One processing payment from Bank account. Instead of the XXXX to XXXX business days in the fine print it was taking over XXXX  days. XXXX my bank is an online bank and doesn't hold deposits or funds to be processed for payment. There is no XXXX to XXXX business days to process, their policy is instant customer service and processing. No wait. After this dispute with Capitol One never even getting back to me, just closed the credit line. But still wanted payment, minimum being in the $ XXXX, and interest. So I paid. Opened another XXXX XXXX line thru my XXXX. Today they closed the XXXX card because of the XXXX dispute. 6 months later. No notice, or explanation. Never had a late payment or returned payment since XXXX. When I spoke to a supervisor he advised me because they can. And said no compliance department or anyone to speak to other than a lawyer. Goodbye.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Equifax and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Payment History is incorrectly reported. My credit reports state that I have not made a payment to the account since XXXX of 2022. This is incorrect. I have attached my payment history from the company website.

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 2022-08-24
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: Was not notified of investigation status or results

Complaint:
Under the FCRA I am " Entitled '' to information on how the reporting agency conducted its investigation including the method used and copies of original contracts for the alleged charge offs on my report. I have requested these several times to no avail. 

XXXXXXXX XXXX shows a payment of {$140.00} in recent payments which was not made by me so I question the accuracy of this reporting. 

XXXX XXXX XXXX recent investigation says verified however I have not seen the verification documentation to substantiate this verification, nor have I received any correspondence from the reporting agency or collection agency to validate. 

It has now been well in excess of 30 days since my initial letters sent to Experian which were sent XX/XX/2022.

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 2022-11-14
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage Fay Servicing recently purchased ( XX/XX/XXXX ) my mortgage from another company, XXXX XXXX XXXX and they added mortgage insurance and homeowners insurance escrows to my payments raising my payments {$260.00} each month or {$3100.00} a year. I have advised the company on numerous occasions ( Calls made XXXX XXXX XXXX XXXX XXXX ) and have faxed documentation multiple times ( XXXX XXXX XXXX XXXX ) to demonstrate that I have my own homeowners insurance, to include personal insurance and insurance through my condo 's master 's insurance policy but the mortgage company continues to require me to pay their insurance which is $ XXXX and far more expensive than what I am currently paying for the other two insurance and unnecessary as I already have two sets of insurance. 

In addition, I have had this mortgage since XXXX which was modified in XXXX and I have never had to pay mortgage insurance on the property since owning the home until they assumed the loan. I have requested them to remove both the MI and the other insurance and the will not remove it despite being told on multiple occasions that they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: IL
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:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received debt collection from EOS CCA regarding a XXXX XXXX I already paid back to XX/XX/2016. The debt EOS CCA collected is {$450.00} with statement date of XXXX. 

I faxed EOS CCA dispute department at XXXX on XXXX providing with the bank statement showing the payment {$340.00} being made. My dispute was refused when I call the dispute department on XXXX because the amount what I paid {$340.00} is different from what they asked for. The dispute department said that what I paid is for the different account they asked for. However, during that time, I only have XXXX XXXX account. 

In XXXX, I did email to XXXX with the proof of payment to dispute the charge with the following information. Unfortunately, I did not get any response. 

In the attached file, please review my original email dispute with bank statement to validate my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO
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 or around XX/XX/XXXX I received a call from a PI regarding my auto lease of a XXXX XXXX XXXX. Account was not late, I was provided the incorrect account number by an overseas representative. I was facing a repossession for payments that were made to an account that was not mine. I was promised all late fees were going to be removed as well as the derogatory marks made on my credit. I was told over a recorded line by a rep in your repo department that I should place the car in my garage until the payments can be taken from the account I paid and be credited to my account. He said this would take 24 hours. I had to call out of work the next day so my car did not get repossessed and I could leave it in the garage. I drove around hopeless for 2 hours on the phone as I feared stopping the vehicle and getting it taken from me for making my payments. Fast forward, my lease is messed up and the account stays in a derogatory state. They made me make a payment the night I spoke to them but the payment was always a month behind. I understand there was excess wear and tear and over mileage on the vehicle. On the bill there is a repossession fee ( vehicle was never repossessed ), late fees that were promised to be waived, and one remaining payment which was made. I am not willing to pay these fees. 
I will be willing to pay the mileage and wear and tear fees at a settled amount to remove the balance off my credit and show the lease as 100 % satisfied. I have done multiple disputes with nothing back. The information shows different on each bureau as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, I sent Great Lakes a letter stating that the loan on file for {$44000.00} is not correct and demanded a removal off my consumer report. They followed up on XX/XX/2021, by stating the debt was paid in full, closed, paid, and the balance as '' XXXX ''. Great Lakes violated 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ). Take further notice that Pursuant to 15 U.S Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval stating that someone other then me a consumer, in fact, is the creditor when I am the creditor Pursuant to 15 U.S Code 1692a ( 4 ).

Great Lakes has violated my consumer rights by using my credit card and I the consumer received no benefit. Congress has said so under 15 U.S Code 1602 ( p ). The term " unauthorized use '', as used in section 1643 of this title, means a use of a credit card by person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card because I am the cardholder the natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened up an account in my name. I contacted the Bank & they are resolving this. I am reaching out to you to report that my name & address was used in a identify thief. What can I do to protect my identity?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: CT
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:
Over 15 years ago I took out a HELOC with XXXXXXXX XXXX Since then I XXXX XXXXXXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a letter to Experian to requesting a removal of items being reported at not 100 % accurate. 

I didn't receive a response within the 30 day timeframe. I checked my credit report online and saw that they are verifying the items. I called today XX/XX/2023 and the agent said she couldn't do anything. 

I believe under the FRCA, I am protected and Experian is in violaton of my rights as a consumer. 

15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report

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 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 account does not belong to me. i have no knowledge of this account and have no business with the creditor

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 2022-10-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
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/XXXX Regional Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact Regional Acceptance Corporation immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt 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 2021-08-03
Company: SYNCHRONY FINANCIAL
State: UT
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:
Syncb/Ashley XXXX is reporting a late for XX/XX/20. I did not mean to be late, I was unable to make payment because of a language barrier. I wasn't understanding what it was I needed to do and my daughter usually make the payments. I was never late before and I have been on time since. I ask they please remove the late notation from my file.

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 2022-10-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted XXXX and asked them why my other credit cards are not showing on my report. They said you need to contact the creditor we report whatever they report to us. I contact all my credit card companies and they confirmed they are reporting to all 3 credit bureaus this is incorrect. XXXX is refusing to report my other credit cards. I have attached proof. 

Accounts not showing on XXXX XXXX XXXX XXXX XXXX BANK / XXXX XXXX I contacted Experian and asked them why my other credit cards are not showing on my report. They said you need to contact the creditor we report whatever they report to us. I contact all my credit card companies and they confirmed they are reporting to all 3 credit bureaus this is incorrect. Experian is refusing to report my other credit cards. I have attached proof. 

Accounts not showing on Experian XXXX XXXX BANK / XXXX XXXX For Experian to report my other credit card 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 explanation
Consumer complaint received 2022-08-02
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
MARCUS BANK will not let me speak to anyone to close my CD.

I call a representative and when they learn my issue they put me on hold until I am disconnected in 20 minutes or more. 

I am not able to accomplish the task online as the online system is setup to take you in a loop. If i go to CLOSE MY CD on the Marcus Bank web site it only gives the option to close the CD at the maturity date. 

Copied from their website below : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Review and confirm update CD maturity updateClosing your CD Estimated balance at maturity {$50000.00} Transfer funds toXXXX  XXXX XXXX XXXX You can make updates any time until XXXX XXXX ET XX/XX/2023 ( the evening before your maturity date ). After this time, no more changes will be allowed. 

( i ) I authorize Goldman Sachs Bank USA to debit my account through an Electronic Fund Transfer for the amount shown above ; ( ii ) I verify I am an authorized signer on the account and agree that this transfer does not violate US laws; and ( iii ) I authorize Goldman Sachs Bank USA to initiate the transaction beginning on the XX/XX/2023 above for the amount indicated, pending no changes to my interest disbursement plan. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This option above is the only option for closing my CD. There is no option to close my CD before maturity date. I have called 10 times and get hung up on. I have called other departments and representatives have said they are going to stay on the line with me until I get to the right department and get hung up on again. 

This is extremely scary. This seems like this is a FRAUDULENT WEBSITE. 
https : //www.marcus.comXXXX  Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/22 : Received email regarding opening of Bank of America XXXX XXXX Banking Account. I did not open this account, so I emailed their abuse department. No action taken so far. 

Just getting ahead of the curve on 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 explanation
Consumer complaint received 2023-01-26
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USCB America appeared on my credit report for the following dates : XX/XX/XXXX - {$120.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$230.00}, {$44.00}, {$190.00}, {$70.00} XX/XX/XXXX - {$2900.00} I tried calling XXXX and they keep on hanging up on me unless I give them my social security number, address, and birthdate. Sounds like a scam. They don't want to give any information and it's damaging my XXXX XXXX. I refused to give my information so they just hung up on me. I put a XXXX  complaint already but I need help in fixing this. Thank you!

Company response to consumer: Closed with explanation