BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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.

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial complaint, I have not received any correspondence or notification confirming the removal of these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Scheer, Green & Burke L.P.A.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving notices of debt collection for a XXXX XXXX XXXX XXXX XXXX, under Tennessee state law this is a no impact to XXXX XXXX for the alleged offense and the verbiage contained on the collection letter gives indication of legitimate debt collection practice, but is severely overstepping boundaries. I have already made notice of dispute to all prior parties and will not tolerate contact for erroneous and frankly pointless collection of an unenforceable debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TransferWise Ltd
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Dear Consumer Financial Bureau, I am writing to file a strong complaint regarding the recent closure of my account with Wise. I reported to Wise about a scam that had happened to me a few days ago, but instead of taking appropriate action to resolve the issue, they closed my account without providing any reason. 

As a customer, I believe it is my right to be informed about the reason behind the closure of my account. I have not engaged in any fraudulent activity or violated any of the terms and conditions of my account, and I am deeply concerned about the sudden and unexplained closure. 

I am extremely disappointed with the lack of communication and support from Wise during this incident. As a financial institution, they have a responsibility to protect their customers and help them resolve any issues that may arise. Instead, they have chosen to close my account without any warning or explanation, which has caused me significant inconvenience and frustration. 

I urge you to take immediate action and demand that Wise reopens my account as soon as possible. I expect a timely and satisfactory resolution to this matter, and I hope that Wise will take steps to ensure that this kind of situation does not occur in the future. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have not received any correspondence to my address or phone calls. 

I spoke on XX/XX/XXXX with a Representative. They sent me a letter on XXXX the first notice, and They sent the letter to the wrong address. After someone who wasn't me called. They mention that they had left many voicemails but based on the Collection Act, once they leave one voicemail, they can not contact me ; I am not sure if that's how it works. They sent me only one communication for the file reported in XXXX, and that has been the only attempt, but they keep reporting me to the XXXX. 
I am disputing the account numbers below. 

XXXX XXXX XXXX I am requesting validation made according to the Fair Debt Collection The Practices Act, the Fair Credit Reporting Act, and local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent for a debt that I dont owe is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
See attachment : In the three attached credit files ( EquiFax, XXXX, XXXX ), you will find alleged inquiries both 'hard ' and 'soft, ' and alleged accounts that are vehemently unlawful pursuant to Title 15 U.S. Code , Chapter 41 1681 ( b ) 1681 ( i ) and in violation of The Truth in Lending Act ( TILA ), Title 15 U.S. Code 1601 et seq. and specifically 1635 ( a ).

These alleged inquiries, both 'hard ' and 'soft, ' and alleged accounts also are non-conformant with the Metro 2 Format outlined in your own Credit Reporting Resource Guide ( CRRG ), 2020 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received an email on XX/XX/2023 from capital one stating my new credit card was approved and ready to use. I did not sign up for a card from capital one. I immediately called their customer service number and they assured me that the account was closed and a fraud report was filed. They did not provide me with any documentation on anything. 

I then called them on XX/XX/2023 to see if I could recieve some sort of documentation and I was told that a piece of mail would be sent to me. 

Now on XX/XX/2023 I received another email from capital one saying my email was updated on my account. I called capital one again because supposedly my account was closed and nothing should be updating on my closed account. They said that although there is an investigation open, the account cant be closed until the investigation is complete. 

This is ridiculous and should not be a standard for capital one. This needs to change immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
The lender Mr. Cooper who services the loan has been complained about their practices to intentionally procure homeowners homes. They state they offer modifications to reduce payments and intentionally confuse consumers. I have notified them several times that the lender was predatory and to go back to the lender to modify from XXXX XXXX interest only loan at XXXX interet only. It has recast and XXXX is now ovre XXXX and terms and conditons were not explained on the refinance. They purchased from XXXX XXXX XXXXXXXX the servicing. They will not take my financial documents for miodification to reduce payment and extend terms and every time they have doubled or tripled the payment making it difficult to pay vs modifying with a lower payment. Their response is I should of known. The complaint also needs to be forwarded to the attorney general of Georgia they have complaints in XXXX states and fail to take responsibility and work with the investors they service to assist me. Anyone can see by looking at the note it clearly was predatory lending. They in XXXX letter show I can modify as an option and then they state they can't because it has matured and then they state I can do a modification just by a request with no financial docs to try to lower my payment. Both Mr Cooper and XXXX XXXX are taking advantage of me as a consumer with countless stress and hours trying to take my home I have owned for XXXX yrs.. I am requesting they modify my loan to a 30 year loan vs. 15 and a traditional loan and get me out of the interest only predatory loan for the XXXX request at least and waive the over XXXX in interest and that it should be based on the principal balance owed. They have an excuse every time. You also can not make your modification payments online and they do not tell you that in any paperwork or over the phone. They should help consumers not make it impossible to modify. I have on my loan docs dedicated loan XXXX but never once heard from him it is only on paper designed to look like they ioffer help- they never work with you and never once heard from him XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Synovus, you are facing civil penalties. As dated XX/XX/2023, In addition, please see attachments. XXXX XXXX All Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Yes I had a employee compromised data from XXXX XXXX XXXX  updated my drivers license account and XXXX XXXXXXXX data breach settlement with case ID from the XXXX XXXX Sheriff 's department XXXX. I want to copy my report from XXXX XXXX XXXX from XXXX settlement. I also want my account put in restoration services from my identity theft report. I also want my information secured from the thieves.

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 2023-05-10
Company: EQUIFAX, INC.
State: AZ
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 sent a letter on XX/XX/XXXX XXXX XXXX. Here is the Tracking number XXXX, to XXXX tracking number XXXX. I sent a second letter on XX/XX/XXXX tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information 's. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had requested a credit limit increase and they did not approved it. 

Later a received a letter giving me the reason for their decision as " The requested amount exceed the limits set by our credit policy ''. 

I called Synchorony Bank to find out exactly what policy they are referring to and they could not answer me and they told me the policy is set by PayPal and transferred me to them. PayPal then tells me they have not set any policy regarding credit limits and if there's any policy is set Synchorony Bank and transferred me back to them. Synchorony Bank again says they do not have anything to do with it and I should contract PayPal.

It seems they are using this credit policy as an excuse to hide something specially since it seems there's actually no policy.

I just like to know why I was turned down and what I can do to fix it. 

By the way, my XXXX score is about 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 2022-04-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2020 I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon XXXX XXXX XXXX XXXX XXXX  I provided them with insurance information which was XXXX XXXX XXXX XXXX XXXX of Washington. At that time my employer was XXXX XXXX in XXXX, WA. They ended up diagnosing me with XXXX, even after my results came back three days later XXXX The hospital never once sent me a bill or itemized statement of the account that day. Until one day I found three collections on credit report. All of them were from this visit to the XXXX during XXXX. The hospital had billed my old insurance, XXXX XXXX. I have been trying to resolve this and get this off of my credit for over a year. The three collections were : one for the hospital bill ( XXXX ), one bill for the XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ), and the XXXX XXXX XXXX. So I received three bills and three collection accounts from this one visit. I provided the hospital with my insurance card and even had XXXX XXXX call them on a three way call so they could pay this. This hospital refused to give me a superbill and said there was nothing they could do, I needed to call the collection company it was sent to. So I did just that, they are unable to give me a superbill because they dont have it. SO I called the hospital again, and get another person and come to find out they told me the bill had been paid for by federal grant money. I do not understand how this can be allowed on someones credit. Someone who has no late payments whatsoever. I had to purchase a car this past year and Im going to have to refinance it because I am paying a much higher interest rate because of this. Now I have been trying to resolve this for over a year. Would someone please help me. I am a at the end of my rope. No one wants to help me, they keep passing the buck and all three credit bureaus are of no help either. I have disputed these items 2+ times. I have even asked for a copy of the debt from the collection companies and they refuse to send me one stating, you need to contact the hospital to get a copy of your bill. It is a never ending vicious cycle. Please help me. 
I finally did get someone to mail this for me and my dad listens to XXXX XXXXXXXX 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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I've just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. These have been rough times during this covid 19 outbreak

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 2022-01-15
Company: EQUIFAX, 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/21 I disputed that you are reporting inaccurate information and to please validate and update this this account ( XXXX XXXX ) to paid as agreed. To this day it has not been updated as requested. FCRA states that information must be verifiable and 100 % accurate! This account does not have ( Term 74 months ) I have not signed a contract with 74mos. nor have I ever been late on this account. 

I Demand that this account be updated immediately to " PAID AS AGREED '' or I will file for ligation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed XXXX complaints with CFPB regarding a Fraudulent charge of $ XXXX not made on my phone or computer, and without my knowledge or consent, but was allowed by XXXX XXXX XXXXXXXX who did not call me to confirm if the transactions were made by me. In the past XXXX XXXX XXXXXXXX denied a transaction to a XXXX XXXX causing me to call them to verify that it was a legitimate transaction. This time XXXX failed to contact me to verify the legitimacy of the " Fraudulent '' transaction mentioned on my below mentioned complaints on : ( CFPB Complaint numbers # XXXX and # XXXX ) Instead XXXX XXXX XXXXXXXX approved the Fraudulent Transaction and during the CFPB investigation, XXXX transferred the Fraudulent XXXX XXXX debt XXXX to Comenity Capital Bank, XXXX XXXX XXXX. 

On XX/XX/2022, I spoke with " XXXX '' at Comenity Capital Bank because I received several " Hang Up Calls '' from them as per Caller ID. I also received a collection letter from them date XX/XX/2022, attempting to collect the fraudulent debt XXXX transferred to them during CFPB investigation as per the aforesaid complaint numbers. Please note that " I texted several messages to Comenity Capital Bank '' to the telephone number reflected on my " Caller ID '', to include pictures of the CFPB Complaint numbers, explaining the fraud situation asking them to cease and desists collection activities and to contact CFPB and provided your office telephone number. 

When trying to explain what occurred to XXXX, he stated that they were not Bank XXXX XXXX at which time I explained about the Fraudulent debt and that I texted information regarding the fraudulent charges and that they should contact XXXX and CFPB to corroborate my statement. I asked him to document what was stated during our phone conversation and for XXXX to ask his management what to do about the Fraud XXXX sent them. XXXX then said that he would transfer me to their fraud unit but I informed him to document our conversation and that I had already texted that information and to contact XXXX and your office ( CFPB ) and culminated contact. Comenity Capital Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief