BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap 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 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 2022-03-06
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The XXXX XXXXXXXX XXXX  card was bought out by XXXX XXXX XXXX I have never been behind on payments with XXXX  XXXX. The transition to Goldman Sacs was a utter mess. I called to make my payment on the phone for the first time with Goldman Sacs and the automated phone says there is a 1 hour wait to speak to a customer service rep. This was on XX/XX/XXXX. Nonetheless, it states on the automated line that cardholders have thru the XXXX of XXXX to make a payment to avoid late charges. I called again everyday thru XX/XX/XXXX. It states on the automated site to go to the Goldman Sacs web site or wait a hour to make a payment. All of the info they had for my banking had been deleted. Therefore I had to go online to make a payment or wait a hour. It also states on the automated phone line that there would not be a problem with using the card. On XX/XX/2022, I was at the store getting my prescriptions, and the transaction was declined. I tried again and it was declined. I am not behind, I have never been behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed accounts this month that I do not consent to, authorize nor benefit from any of the following inquires. Block and remove them.

Pursuant to FCRA 15 USC 1681. 

All of these accounts are in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
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:
In XXXX of XX/XX/2019 i opened up a XXXX line of credit with XXXX XXXX to purchase furniture at XXXX XXXX XXXX, i made 4 successful bi weekly payments starting in XX/XX/2019. On my credit report for XXXX they alerted the credit bureaus i was 30 days late then august 60 days and for XXXX, and XXXX my credit report says charged off account. Not once did i receive a bill or communication of late. They had my incorrect address on file for months even though i updated that before my furniture was delivered. Please see on paid in full letter attached they still have my incorrect address on the account. I made 3 lump sum payments to pay the account off in XXXX which totaled around 1300 dollars. I have in writing they would remove the late payments and show my account as closed paid in full with current status. My credit report updated for XXXX and they not only did not remove the incorrect late payments they also incorrectly put on my credit reports that this XXXX loan is a vehicle loan and its charged off as bad debt. I have called them every day, most days i get hung up on after someone says I see the error. Today i called again and was hung up on after being on hold for 11 mins. I was advised although they see the error and the account was paid in full, there was nothing they could do about it and late payment weight fades over timer nothing about the account reporting as a vehicle lease. All I'm trying to do is get these incorrect late payments removed or get this account deleted off my Experian reports. They have since offered me another line of credit for an installment loan but refuse to update my credit report. I will advise anyone to not do business with this company

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 2022-09-01
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-08-28
Company: We Collect Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sublet an apartment in XXXX Oregon. I paid a deposit. I paid my rent.The job that I was in town for ended.I gave my notice to the landlord which was 30 days. The cash deposit that I paid to the landlord covered the remaining month. Fine. I have had negative reports to my credit.A company called the Atlas Financial is harassing me daily. This matter gets resolved then a month later another debt collection company springs up like mushrooms after a rain storm. I am really tired of being harassed. 

This is for an apartment that I lived in for a month and paid 3 months rent on. 

To make matters worse, the company that I rented from no longer owns the building. It seems to be owned by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: MO
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:
Experian continues to report delinquent payment history for an account settled with XXXX XXXX XXXX despite prior attempts by me to correct this error through the FCRA dispute process. This account was settled inXX/XX/XXXX. I disputed ( see attached ) this with all three of the major credit reporting agencies as well as XXXX XXXX XXXX onXX/XX/XXXX and XXXX and XXXX corrected the error, but Experian did not.

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 2022-09-01
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Equifax does not report two of my mortgages-both of which are open and current. I have filed 3 disputes trying to correct the problem and get the same results each time. 

My most recent disputes were filed XX/XX/XXXX ( one for each mortgage company ). I received a response from EquifaxXX/XX/XXXX stating that they resolved one issue and that the account is closed. And the other mortgage they can not find so it is not reporting. 

I 've contacted both mortgages who say they are reporting to Equifax each month. 

I would like the history corrected for both mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS LATE ON MY AMERICAN HONDA FINANCING ACCOUNT IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALREADY SPOKEN TO THE CREDITOR AND THEY HAVE PROVIDED THEIR END LETTER OF AGREEMENT, BUT XXXX DOES NOT REMOVE THIS INACCURACY FROM MY CREDIT REPORT. 
XXXX AND XXXX HAVE ALREADY REMOVE THE NEGATIVE MARK EXCEPT XXXX, NO MATTER HOW MANY TIMES I HAVE SUBMITTED THE REQUEST THEY JUST DONT. 
PLEASE HELP ME TO REMOVE THIS MARK, CAUSE I NEED TO APPLY FOR STUDENT LOAN FOR MY SON. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
After XXXX XXXX My checking account balance overdrawn message received on my phone at night around XXXX XXXX  and immediate i went to PNC ATM machine and Cash Deposit in amount of {$200.00} made balance positive immediately and I received text message that your overdrawn item was covered and next morning bank charge {$36.00} for each overdrawn item just for few minutes I requested waive this two Fees {$72.00} total and they denied at first time I escalated problem and they denied again. My question is If i take care my financial matter within time and my account balance become positive within short time period at night. I went at night XXXX XXXX and made CASH DEPOSIT and account was positive balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-06
Company: HomeTown Lending Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied to refinance my mortgage on  XXXX   XXXX . I locked a rate with Guaranteed Rate.  XXXX   XXXX  from  Hometown Lending Partners  was one of the last to respond that day. I told   XXXX  I  was set with who I was going with, because I assumed he could n't beat what I had, since everyone came in around the same rate.    XXXX  sent me a rate that was lower. I told  XXXX  that I definitely would like to go with him then.  XXXX  and I had been in contact over the next few weeks.   I had locked with Guaranteed Rate, so before I gave up that lock, I wanted  XXXX  to provide the loan estimate. He sent me an estimate under terms that I would 've agreed to. I told Guaranteed Rate that I was going with  XXXX , so they said they 'd release the lock. I was in constant contact with  XXXX  and sending him my financial documents.  XXXX  never said he needed everything to lock the rate. Guaranteed Rate did n't require all my documents to lock. As I got the last of my documents in,  XXXX  sends me the papers to sign. He does n't bother to call or email to mention that if I sign them, I 'll need {$12000.00} as a down payment. The original terms had a very small down payment less than {$500.00}.   I asked  XXXX  why he did n't lock my rate and he acted like he did n't know that was an option. I asked  XXXX  for his  manager  's info. I spoke with his manager  XXXX   XXXX  and he basically said they need something from me to lock, and he acted like locking a rate was rarely done, and said that rates went up, so there 's nothing they can do.   They sent a fake estimate, lied and acted in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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 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 2022-09-01
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-03-31
Company: McCarthy, Burgess & Wolff, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/17 I payed in full the {$180.00} owed. I have contacted them several times asking when it would be removed from my credit report, they stated 30 days however it is now going on 36 days and still has not been removed. I spoke to a 'supervisor ' and was informed that it will be removed the first week in XXXX. Why do I have to wait this long for it to be removed if I have paid in full and settled it over 30 days ago?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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 2022-03-06
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was trying to make a payment plan where my debt would be paid in XXXXour months but they said it wasn't a big enough payment they threatened to sue me. Because they didn't agree on my payment amount they restricted my account so I can no longer call them or go online to pay. This is with XXXX XXXX XXXX. They want me to send my payment in threw the mail. Their website says they value fairness. When I would call before all this they would bombard me with questions and try to force me into taking another loan out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I filed a complaint last year with the CFPB regarding an erroneous account on my credit report. The CFPB never received a response from the company. This account is still reflecting on my credit report and it is a fraudulent listing. It is now affecting my mortgage qualifications. I am writing the CFPB to help with the violations on the FCRA against XXXX or to help with getting the fraudulent account delisted from my 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 2022-09-01
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please Contact all XXXX XXXX Agencies and demand they delete these item from their reporting immediately as the items have been identified as information in my consumer credit report that is a result of identity theft. These item are not related to any consumer transactions completed by me or initiated by me, Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I lost or had my cashiers check stolen on or about XX/XX/2015. The check was drawn on my Santander Bank account. I had Santander branch # XXXX research the matter they found {$4000.00} and {$10000.00} check, but not the {$14000.00} check in question. Somebody cash the check or if lost their account will be off {$14000.00} somewhere? I will assist with all information regarding this matter, as soon as you need. Thank you for any assistance you can do. 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 explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: NC
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:
If you refer to complaint XXXX, this company XXXX XXXX  XXXX responded to the company with no documents, validation materials, nothing to the CFPB, nothing to me, and they closed the complaint with no resolve and without documents that I am entitled to within 30 days under Federal Law - 15 U.S. Code 1692g - Validation of debts, b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
The furnisher XXXX XXXX XXXX failed to provide to me or CFPB any requested documents that I am entitled to owe federal law within 30 Days and I hereby request that you order the deletion of these accounts listed on my credit file that was reported by XXXX XXXX XXXX. This relief I am entitled to by federal law..

Company response to consumer: Closed with explanation