BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: SC
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: VA
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:
We took a 6-month forbearance in 2021 through XXXXXXXX XXXX. Immediately upon the end of the forebearance, we negotiated a loan modification to include the amount owed rolled into a new loan at a higher interest rate ( of course ). During the end of this loan modification process, XXXX bought our loan and has not updated our our account with the signed loan modification - even though we have provided the signed modification that is currently on our XXXXXXXX XXXX  account website, along with our payment history. We have not missed a payment. 

XXXX also has documentation of us honoring the terms of our loan modification on their website but said administrative issues have precluded them from transferring the modification and updating our account properly. 

I have a signed copy of our notarized modification, and both XXXX and XXXX have documentation showing we have met the terms of payment. 

We would like to sue XXXX and XXXX for mishandling our loan modification and causing harm to our credit report and livelihoods.

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 2022-12-11
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged for something that I never received and Apple/Goldman Sacks refuses to put that in my claim. 
I have talked to multiple people and told them I did not receive the product. I tried to call the merchant but there was no answer and no way to leave a message. 
I have emailed Goldman Sacks telling them I did not receive item.

The dispute says the card holder claims that the goods or services were either not as described or defective. 
I have redisputed this three times Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the XXXX data breach. The following fraudulent accounts and information are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint to you today to inform you that in the even you choose to not remove the disputed accounts and information, I will be filing a lawsuit. Also, I have sent a dispute letter to the Credit Reporting Agencies with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. Once again, I am requesting the removal of the following accounts and information completely from my Credit report : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. If the Credit Bureaus claim that the disputed accounts and information belong to me, I am requesting that the Credit Bureaus send me copies of proof of verification or any documents bearing my signature. In the event that the Credit Bureaus can not prove that the disputed accounts are mine, I am expecting the deletion of the disputed items completely from 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 non-monetary relief
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NC
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:
Hello my name is XXXX XXXX and I want to file a complaint against Equifax for allowing XXXX XXXX to put fraudulent information on my consumer report. All XXXX and XXXX bureaus have deleted XXXX XXXX account information from their records after I disputed the validity of the account such as irregular account dates and account details. Equifax allowed XXXX XXXXXXXX  and a third party to attempt to re-age this account and has deleted all creditor information pertaining to XXXX XXXX from my consumer report but still allowed the account details to remain. XXXX XXXX can not show me any evidence on why this XXXX dollar charge was reported to the credit bureaus in the first place nor have did they ever contact me before they furnished this information nor have I been sent any information prior to let me know I owe a debt. Also I believe Equifax added and abided my nonpublic information being sent to a non-affiliated 3rd party debt collector who then attempted to furnish a charge of XXXX dollars to my credit report in relation to XXXX XXXX and changed the account number to make it seem as though it came from the original creditor. Equifax then deleted the 3rd party creditors information and the Original creditor contact information on my consumer report, to not clearly and conspicuously specify an address to which consumers can send notice that information furnished to a CRA is inaccurate which is a violation of the FCRA. I have asked Equifax to send me all information they have related to this account as according to the law and their policies bearing my wet signature. I want these accounts deleted immediately or I will be seek litigation I am including this report in my records to indicate I have exhausted all resources in connection to this account. I believe XXXX XXXX is using false deceptive or misleading representation or means. I believe Equifax negligently and/or intentionally relying upon verification from a third party source that I have reason to know or should have reason to know is unreliable and failed to provide a description of the procedure used to determine the accuracy and completeness of the information. This has been detrimental to my consumer report and has cause me stress throughout this process and it has hindered from obtaining credit. I have been denied credit applications due to lowered FICO scores due to wrongful credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello! This is for the XXXX XXXX XXXX XXXX Credit Card that shows up on my credit report. This account belongs to my ex. I called XXXX XXXX XXXX XXXX and they have taken me off the account but it is still showing up on the credit report and I would like it removed. 
Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2022-12-11
Company: Advanced Call Center Technologies, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
need to Reverse every single transfer that's happening.. I believe they been doin it for the last few years now charges feeds just to empty out a bank account. There stealing my money using using company and there fraud department verify my identity using a look a like or someone with my SSN.

Verify my face to my name SSN and dob and stop any type of active. And put all that money back. My FORMER EMPLOYER ADVANCE CALL CENTER TECHNOLOGY MUST HAVE STOLEN MY IDENTITY WHILE I WORKED THERE. ITS A DATA BREACH. THEY MAN WILL LIE TO YOU. I PROMISE IM THE NINTH PERSON HES DONE XXXX THIS. HES NOT TO VE TRUSTED OK. HE GON NA BE A SUPERVISOR UP AT THAT CALL CENTER IN TGWRE FRAUD DEPARTMENT. STOP ANYTHING YALL SEE IN MY EMAIL ADDRESS OR NAME OR SSN OK. 
XXXX XXXX XXXX ETC .... ANY KF THAT IS MINE KK HERE MY PROFF .....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX, I applied for an extension of credit and a few days letter I received an adverse action letter stating I was denied. I would just like to know what laws and procedures were used to come up with this determination, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. XXXX XXXX XXXX accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
Equifax sent responded saying they contacted XXXXXXXX XXXX and I contacted them requesting proof of my signature, advised them of my identity being stolen and they stated on XX/XX/2022, they didnt have any information and to contact someone else. They couldnt provide me I and they do not have an account that they are servicing in my name so it should be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting Act XXXX Account # XXXX Santander consumer has violated my rights 15 U.S.C 1681 Section 602 A, States that I have a right to privacy 15 U.S.C 1681 Section 604 A, Section 2. States A consumer reporting agency can not furnish A Account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: MA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights on XX/XX/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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions 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 have repeatedly requested that The XXXX of Virginia to remove the paid off account they are reporting for me. The account was open in XXXX of XXXX. It was paid in XX/XX/XXXX and should have been removed in XXXX of XXXX. It has been re-investigated four times and I have been told it's accurate. I'm not denying the accuracy of the account ; But the XXXX of Virginia has not been contacted to endorse the removal of this account that has been closed for 7 years. There is no longer a need to report a paid and closed account that hinders my credit.

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 2022-12-05
Company: Arcon Credit Solutions LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A relative received a text from Arcon Credit Solutions regarding an attempt to collect a debt on my behalf. I have not received documentation regarding the debt or a text, like the relative did. When I contacted this agency, the woman I spoke with told me that they had sent me the documentation and even after telling her I have not received any documentation from them regarding this debt, she told me they had already sent it and would not send it and that this wont just go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: United Collection Bureau, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I had XXXX XXXX with my own XXXX XXXX doctor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX After the physical I asked my doctor to check some pain in my back, after a quick check, he stated that I should go to the emergency room at the XXXX XXXX XXXX in XXXX MA. 
I went to the emergency room with my XXXX referral to get a quick XXXX XXXX. In the emergency room, I was interviewed by several staff members including assistant nurses and nurses. I was never seen by a doctor or received any care including the XXXX XXXX I came to get. I left the emergency room after 3 hours of waiting. 
I went to the XXXX XXXX XXXXhe next day to get my XXXX XXXX  and diagnosis as prescribed by my Doctor. 
A few weeks later I got a bill for {$490.00} stating that was my co-pay. My insurance plan states that my co-pay is {$100.00}. I refused to pay the bill due to the main reason I did not get any treatment in the emergency room. I was and still am willing to pay the {$100.00} co-pay for the emergency under the condition that the XXXX XXXX XXXX and the collection agency retract the derogatory remarks from my credit reports. 
On XX/XX/XXXX, a derogatory remark appeared on my credit reports and my credit score was lowered by XXXX  points. 
I feel that this is very unfair for the collection agency to report this as they never contacted me to state that such action was going to take place. 
I am seeking the help of CFPB to help me clear this mess and restore my perfect credit reports. 
I was also told that this could be subject to the " Surprise billing '' law. 
Any help to resolve this problem as quickly as possible. 

I have not contacted the credit bureaus or the collection agency. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello. I am in need of some help. Last year, I didn't have a checking account, just a savings and I thought that I needed a checking account to pay my student loans so I asked someone to please put the money in their account and pay my loan for me from their account. I paid Great Lakes a total of {$32000.00}. I now qualify for a refund and they are willing to give it to me. However, they refuse to place the money into an account with MY name matching my student loans account. They also refuse to send me a paper check. They said the money is going to go right bank into the account that was used to pay the loan. Mind you, I have any order of protection against that person and they dont even reside in New York anymore. They had me call the Department of EDU and Department of Treasury claiming they can help me. I finally spoke to a nice girl from the Dept. of Edu and she said that has nothing to do with them nor the Dept of treasury. She said Its between my servicer ( Great Lakes ) and myself. If they took the money, they can change the refund method. I am a single mom of two and im going to loose all of my hard worked money due to Great Lakes. I filed so many complaints with them and spoke to countless supervisors. They said even though the money will go to someone else 's account who has a total different name and what not, its not their problem. PLEASE, someone help me. I even told them on student aid.edu, it states " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. '' and they said that means it goes to someone else. IT MAKES NO SENSE. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX XXXX I found out that Bank of America Credit card as well as XXXX additional accounts have been opened under my name without my acknowledge. Those accounts related to Bank of America and they are fraudulent without my permission. I have contacted Bank of America to close those accounts. I also found out that there is an address that ties to the fraud account is not my adddress that Bank of America used.

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 2022-08-23
Company: World Acceptance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This company has come to my work and discussed my loan in front of the other employees at my work place They have called my work place and asked if I have discussed my business with my employee I have tried to make a payment and they refused because it was not the full amount I have discussed a complaint with their District manager and still continue to contact my place of employment and not just to have me call Its an everyday thing so there are not dates just to give

Company response to consumer: Closed with explanation