BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I never authorized Equifax to put a fraud alert on my account. I called and did the verification and they were supposed to remove the fraud alert from my account. They did not. I called again XX/XX/2022 and the agent laughed at me and hung up. Any trace of a fraud alert must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: I.C. System, 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:
On XX/XX/XXXX I opened a letter from IC systems telling me I needed to pay XXXX dollars for a debt owed to XXXX  internet. 

I was completely unaware of this debt, and upon confirming with XXXX  I paid that debt with them that same day on that same phone call. I was then informed a letter would be sent to IC systems that the debt had been paid. 

On XX/XX/XXXX XXXX received notice I had negative activity on my XXXX and XXXX credit reports, it was an open collections from IC system 's for a debt I had paid. I immediately disputed with XXXX and they have removed both the open balance and the collections notice from my credit report, XXXX is stating after my dispute that their information is accurate and I have an open collections debt. 

When I called XXXX on XX/XX/XXXX asking if they had sent the letter to IC systems telling them the debt had been paid they told me it had not yet been sent, but it would get to them within 60 days. 

My credit has been immaculate, I've never missed a payment, am in good standing with all of my creditors and don't believe XXXX got this right. I am potentially moving states for a new job and this negative impact on my credit will greatly affect my life.

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around XXXX. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion 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 Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 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 2022-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Good Afternoon, The first notice that I had been a subject of fraud was when I received a bank statement from Bank of America. Once I opened the statement address to me I called and reported the to BOA that the account was opened without my permission. While processing that information they found another account that had been opened in my name as well. They said that they would be conducting research to verify that the accounts wee open in error and without my consent.

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: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is incorrectly reported with misspellings and they are affecting my verification process. The correct spelling should be XXXX XXXX XXXX please delete any other variation of my name ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) the following addresses are not mine and are fraudulent please delete : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: EQUIFAX, INC.
State: SC
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 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 I also have some inquiries on my credit report that I didn't authorized. 

Equifax Inquiries : XXXX XXXX XXXX  XXXX XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: GOLDMAN SACHS BANK USA
State: UT
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:
On XX/XX/XXXX I made a payment from my XXXX bank account to Goldman Sachs Apple Card in the amount of XXXX. XXXX has been able to provide me all ACH information proving they sent the payment but Goldman Sachs keeps making up different stories about the situation. At first it was insufficient funds, then it was that they sent a payment back to me. Goldman Sachs has been non compliant and cant provide any tangible data. Im reaching out to cfpb to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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:
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 XXXX has me at a score around XXXX. 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 XXXX 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 2022-09-21
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to request the method of verification for dispute initiated on XX/XX/2022 and subsequent response received on XX/XX/2022. 

Please send the following information used to verify the validity of medical bill 1. The name of the original creditor 2. Original creditors address and telephone number 3.The person 's name they verified the dispute with 4. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending this information you can reopen the disputes and ensure a proper investigation is performed. 

I would appreciate a timely respone outlining the steps that will occur to resolve this matter. If i do not receive a response I will have no choice but to exercise my right under FCRA section 616, and pursue legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received the attached check, # XXXX, dated XX/XX/2022, for vendor name XXXX XXXX, vendor num XXXX, amount of {$26.00}, with check stub date XXXX, for invoice/credit memo XX/XX/2022, description of XXXX # XXXX. I request all documentation to substantiate the issuance of this check, copy attached, for so-called invoice from XX/XX/2022 for vendor name XXXX XXXX , vendor num XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX  is furnishing inaccurate and incorrect 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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I submitted a copy of my driver 's license and social security card to Transunion requesting that addresses be removed that were inaccurate and that the only address that should be reporting is the current address that is on the ID. I received an updated consumer reports dated XX/XX/2022 File number : XXXX continuing to report the incorrect addresses there are XXXX addresses that need to be removed. I also sent in another letter to Transunion concerning disputed accounts with another copy of the ID and a bill showing the correct address prior to XX/XX/2022 and they have yet to correct the information. 

During the investigation process Transunion reported was complete provided them with information that allowed Transunion to verify and update accounts that were under dispute by me. In my initial correspondence with Transunion I asked for all current documentation that allowed them to publish the disputed accounts on my consumer report and any information that was received during the re-verification and no information has been sent to me as of yet to explain how the information was originally verified or re-verified. Please have Transunion mail all of the information obtained to my address that is on file with Transunion at this time. 

The employment information is incorrect as well. XXXX is not an employer of mine. Please have this information removed as well. It shows that I am an " admitions emergenc ''. I am a Registered Nurse and have been for decades. This information is a violation of my privacy and shows multiple XXXX violations. I will be sending over an invoice to Transunion for all of the violations once this is complete. 

Thanks in advance CFBP.

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: 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:
Unauthorized inquiries on my report from identity theft XXXX XXXX  XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: QC HOLDINGS INC
State: ND
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I received a call today that a payday loan was taken out in XX/XX/2015 and they are suing for payment..they said XXXX Montana where I live and I dont they said store number XXXX they dont know where its at .. lady was calling from XXXX Texas.. for information how to serve me they gave an account number XXXX QCHoldings never heard from them ever Phone number they call from XXXX she said they need to hurry up and sue because time runs out Shes been trying to use a bank account that is not correct to take money out of

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 2023-03-11
Company: Experian Information Solutions Inc.
State: NV
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:
This account has been on my credit report for 8 years and it is far past the statute of limitations!!! They refuse to remove this account from my credit report and report it with new dates to keep it on my credit 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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In Accordance With The Fair Credit Reporting Act XXXX  Account # 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.

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 2022-09-21
Company: EQUIFAX, INC.
State: IL
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:
i filed a report with federal trade comission for second time now report number XXXX ill submit copy of it to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Gatestone & Co. International Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
At XXXX central time on XX/XX/2022, Gatestone & Co International Inc of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX called me on my work cell phone. They number they used is XXXX and it is a spoofed number. This is a direct violation of my rights and my cease and desist letter sent to them on XX/XX/2022 where I stated expressly " you can contact me about this debt, but only in the way I say below. Don't contact me about this debt in other way, or at any other place or time. It is inconvenient for me to be contact except as a I authorize below. You can only contact me by mail at : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Gatestone & Co International Inc. is in violation of my rights and the law and is acting as an abusive and harassing debt collector. As of this submission, they have not produced any documents asserting the debt is rightfully mine and they unable to produce any evidence of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received the attached check, # XXXX, dated XX/XX/2022, for vendor name XXXX XXXX, vendor num XXXX, amount of {$26.00}, with check stub date XXXX, for invoice/credit memo XX/XX/2022, description of XXXX # XXXX. I request all documentation to substantiate the issuance of this check, copy attached, for so-called invoice from XX/XX/2022 for vendor name XXXX XXXX XXXX vendor num 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 2022-01-04
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal temporarily limited my account, claiming suspicious activity on my account. I submitted my explanation, that none of my activity was suspicious ( thinking they meant I had been hacked ) and that any fraudulent activity that I encountered I would report immediately. PayPal unfroze my account for a few weeks then inexplicably permanently limited my account, with a note saying You can no longer do business with PayPal. They have frozen my funds in the account and issued threats that they will recover funds from me if needed. I have no idea why they would think this would be a possibility. I have tried numerous times to reach out to PayPal and get an explanation but have not been able to get any more detail other than that their decision is final and they reserve the right to limit accounts for various reasons ( without giving me any detail on what reason drove their decision in my case ). I have attached screenshots of all of the support messages I have received from PayPal regarding this issue, most of which have been the same or a repeated automated message, giving no specific details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter via mail regarding a debt collection for a XXXX account in the amount of {$1200.00}. I have not personally opened this account nor was I aware this account was opened under my name until receiving the letter from the collection agency. After confirming this debt to be true by finding it on my credit report on all 3 credit bureaus, I filed a police report at my local police department on XX/XX/22. That same day ( XX/XX/22 ) I submitted a fraud claim with XXXX and uploaded the supporting documentation needed. The claim is currently still being processed by the XXXX Fraud Prevention Team.

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