BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2022 I have called all three bureaus Trans Union XXXX and XXXX requesting a credit report and they stated that my report would be arriving within the next 15 business days. prior to this call I submitted a letter asking for a free credit report and I did it through mail because I have ITIN number. it is XX/XX/2022 and I have not received anything from the bureaus. XXXX did send me a letter stating wrong spelling on last name and stating that they can not provide me a copy of my credit report until I provided additional information for identity. 

I have provided a copy of my ITIN sheet that was given to me by the IRS. It states my full name address and ITIN number. I have also provided a copy of my insurance card along with the bill statement from XXXX it states my name and my address as this is all I have for documentation. 

I have the right to a free credit report and I have provided the documentation that I have available to prove that the identity is mine.

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 2022-09-29
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX contacted a family member three times by phone, and at least one time by text. During the second call he told them that wasn't my number and not to call. They proceeded to call him a third time. They only stopped when I called them and told them they can't do that. On XX/XX/XXXX I requested they send me information about the debt in the mail, because I haven't received anything. They claimed they sent it in XXXX, but I never received it. I asked they send it again. I still haven't received anything. I talked to them again today, XX/XX/XXXX. I asked again to have the information sent to me in the mail, and they again claimed it was sent in XXXX. I again explained I never received anything in XXXX, and have already requested on XX/XX/XXXX that information on the debt be sent to me again since I didn't receive what they claimed to send in XXXX. I'm already paying the company they say I owe monthly, so I need to verify this isn't the same debt. I already called that company on XX/XX/XXXX, and was told they don't show anything was sent to collection on their side. I'm simply trying to verify this is a legitimate debt, and XXXX is being uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never agreed verbally nor signed my signature to any term agreement to buy or purchase any item they said I bought. I dont have any credit but student loans this is fraud and I demand this to be corrected it sounds as though my ssn was stolen. If my personal signature can not be proven I demand this false fraudulent activity to be removed from all three credit bureaus thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: MD
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 have made several attempts to have these items removed from my report and no one is responding or deleting this misinformation.

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 2022-09-29
Company: GOLDMAN SACHS BANK USA
State: DC
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:
This involves Apple Card/GoldmanSachs . On XX/XX/2022 my bank ( XXXX  ) processed a payment of {$3200.00} which I did not initiate. Strangely, on XXXXGoldmanSachs Bank put an entry on my Recent transactions ledger, showing the amount of {$3200.00} Declined by XXXX ( in red ). 
I called GoldmanSachs right away when I realized this, but I was told that the money never reached them and that I should inquire with XXXX. I did that but was told that GoldmanSachs has not returned the money. I I called GoldmanSachs again to find out that it would take up to 9 business days for me to receive the money. I kept checking daily to see if the money was returned, to no avail. 
Finally, I went to my bank where after a thorough investigation, I was provided the ACH trace number and was told that GoldmanSachs still has the money. Again, I called GS where I was connected with a manager who told me that he set up the case for me. After another call today, I was told that the money will be returned as a check and it will take up to 9 days. I asked about my payment due date which is tomorrow, but I was told that no accommodation can be made. 
So, GoldmanSachs has been enjoying my money since XX/XX/2022 and is planning to enjoy for 9 more days that is a total of 27 days for FREE!!! I have to come up with funds to cover my Apple Card bill tomorrow because I have to keep to the demands of GoldmanSachs, while that very bank does what it wants.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: FL
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:
Problem repeatative. All credit bureaus claim to allow consumer commentary. Their own words - they DO NOT! Opinion by experience A Lie! ALSO disputes never resolved and continue perpetually. They then brazenly- out of no fear of this CFPB -close the report as similar. Here is the LIE- According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on your credit report for as long as the item appears on your report and will display to any potential creditors or employers who receive your credit history. You may prefer to simply explain your specific circumstance when you apply for credit or employment.

To add a statement, select a commonly-requested statement from the list below. You may also contact us by mail to add a statement written by you or submit your statement electronically at experian.com/upload.THIS IS IT - WHAT THEY GOT THEY ALLOW!

Delinquency due to natural or declared disaster.

Delinquency due to extended unemployment.

Delinquency due to job layoff.

Delinquency due to divorce proceedings.

Bankruptcy due to medical bills.

I suffered bankruptcy due to business while I was self-employed.

Bankruptcy due to business failure.

Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by Consumer Credit Counseling Services of ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: LA
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:
accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights tc privacy and confidentiality under 15 USC 1681. 


XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX h

as 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 turnisn a account wino my instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX, XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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:
It was brought to my attention that my Ex Fianc is currently dating an Experian credit repair employee by the name of XXXX XXXX of XXXX XXXXShes informed me that she used the database to inquire my address along with all of my most important information.Im scared that my identity is compromised, Ive reached out to the company but didnt receive any word back.Ive been trying to see how I can go about making sure my information doesnt fall into the wrong hands.Please help me

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 2022-09-29
Company: DISCOVER BANK
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I first called Discover on XXXX XX/XX/2022. After talking to several individuals I was told a audit request was filed. I received a phone call on XX/XX/2022 and the Individual told me the account wqas credited with additional interest. I called back several times, ( don't remember all the dates ), spoke with several individuals including a supervisor names XXXX. He informed me that the paperwork required to perform all for audits were submitted and he would personally keep track of it and call me the next day. It has been well over a month and XXXX has not called me back and no audits were performed. I wrote a letter to the President/CEO of Discover on XXXX XX/XX/2022. To this date I have not received a reply. I have a total of XXXX XXXX XXXX all five were active during the same time frame with only one was corrected. If one account had a problem, which was indicated with my receiving additional interest, it stands to reason that the other 4 accounts have the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2022 I have called all three bureaus XXXX XXXX Experian and XXXX requesting a credit report and they stated that my report would be arriving within the next 15 business days. prior to this call I submitted a letter asking for a free credit report and I did it through mail because I have ITIN number. it is XX/XX/2022 and I have not received anything from the bureaus. XXXX did send me a letter stating wrong spelling on last name and stating that they can not provide me a copy of my credit report until I provided additional information for identity. 

I have provided a copy of my ITIN sheet that was given to me by the IRS. It states my full name address and ITIN number. I have also provided a copy of my insurance card along with the bill statement from XXXX it states my name and my address as this is all I have for documentation. 

I have the right to a free credit report and I have provided the documentation that I have available to prove that the identity is mine.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1.XXXX XXXX XXXX/ Account number 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 an account without my written instructions/consent. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information ' Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-09-29
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:
Further investigation reveals that Equifax will supply requested reports to creditors, but only if date of birth omitted from consumer data in report request. 

Obviously this is preposterous, impractical and illegal.

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:
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 XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 non-monetary relief
Consumer complaint received 2022-09-29
Company: Stenger & Stenger, P.C
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recieved a wage garnishment from a company called XXXX XXXX XXXX but I never even recieved any documentation on this debt. The debt has not been validated and I never even recieved court documentation to allow wage garnishment. I called the company and they told me the creditor is XXXX, a company Ive never heard of, and they gave me the phone number to that creditor and when I called that creditor, multiple times, the prerecorded message states they are XXXX  but when someone answers the phone they are denying they are XXXX  and denying any affiliation with XXXX. I feel like this is fraud and I dont want my money going somewhere I dont even know that Ive never even heard of or that I dont owe a debt to and to a place that says they arent even the creditor that was told they were. They are also calling my phone before XXXX  XXXX  every single day and every single day while I am at work. I want it to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: VA
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 XX/XX/2022 to update this suspicious information. I think you 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 I'm including it again. 
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 2021-08-03
Company: EQUIFAX, INC.
State: FL
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:
Hello! This is my second Time submitting a complaint regarding fraudulent inquiries on my credit report. Equifax didn't remove a single inquiry when I submitted my Identity theft report and my ID. I am submitting again. PLEASE SEE THAT EQUIFAX Removes the inquiries as well as XXXX. Thank You! I have provided my Identity theft report and my State ID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Credit Karma, LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On it around XXXX I saw a lot of pre approvals on my Credit Karma account XXXX At first, I didnt pay attention to it but credit karma continued to send me all sorts of different pre-approvals telling me I was pre approved for credit cards, personal loans and car loans and that I can refinance my vehicle. Everyday I would see these offers everytime I logged in to check my credit scores. After a few months of being told that I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through credit karma I started telling my whole family about vacations and investments we were going to use these pre approvals for. I finally applied on or around XXXX and got denied various times for credit cards and auto loans. I was distraught. I was very angry and I felt deceived. I was marketed to for months by credit karma telling me I was pre-approved and this was a lie! 

Everytime I see pre-approvals now I close my phone or shut my computer off because I have XXXX and XXXX  now. As a result of my credit score being effected my XXXX is really bad and I get XXXX XXXX  often now. 

As a result of Credit Karmas deceptive practices I applied for various lines of credit and was denied. Credit karma told me I was pre-approved but I was not actually pre-approved. This has effected my credit immensely and cause me emotional distress. I worked very hard to raise my credit score and these denials are effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TD BANK US HOLDING COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I found out about the fraudulent charges on my TD Business Solution Credit Card around XX/XX/XXXX and I immediately reported it to TD Card services. The fraudulent charges were all made through a series of XXXX XXXX  transactions in the sum of {$12000.00}. The dispute claims remain unresolved as of today. I am currently in the process of applying for a mortgage and this unfortunate event has greatly damaged my chance of getting one. I need the fraudulent charges remove from my account as soon as possible to prevent it from further damaging my credit health.

Company response to consumer: Closed with explanation