BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
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:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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:
In a recent self credit check I got surprise when I saw a number of accounts that don't belong to me, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. 
further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed.

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 2019-10-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit and because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2020-03-17
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
FRAUDELENT ACCOUNTS ON 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 non-monetary relief
Consumer complaint received 2018-04-29
Company: Western-Shamrock Corporation
State: SC
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:
When I began working on my credit in XXXX I notice a loan on my XXXX   report from Western Shamrock Corp staring in the amount of {$250.00}. It stated that the account was CLOSED as ofXX/XX/XXXX. When I attempted to receive information regarding the debt the company still has not validate any information. The company is reporting a address of XXXX XXXX XXXX XXXX SC XXXX. This address was removed from my XXXX report because it was not correct and I never resided at this located. As of today XXXX I still have not received validation on this loan. On today however I received notification from XXXX that Wedtern Shamrock reported a closed account to my report in the amount of {$1100.00}!!!!! After looking over the information it is reporting the same closed date of XX/XX/XXXX. My frustration is coming from two places, this debt is not mines and even if it was Im sure its against the law to be wrong different information to different credit bureaus. To confirm any changes I recheck my XXXX account t and it was updated on today as well XX/XX/XXXXstill reporting {$250.00} however today this company has just started reporting to XXXX  as with the amount of {$1100.00}. I would like for this information to be removed ASAP because this company can not validated this debt or confirm it belong to me as well as reporting different information to different credit bureaus. For this company to report to both credit bureaus that this account was closed sinceXX/XX/XXXX no extra fees should be added after that closed date. Please ensure that this information is deleted and reported to all three credit bureaus as inaccurate and removed from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
Hello, my name is XXXX XXXX and I am writing today to get help with incorrect information on my XXXX, XXXX and Transunion Credit report. I have reached out to all these agencies via online dispute and telephone and asked they remove inquiries that I did not request or allow, to this day this has not happened.

Please remove inquires from these companies immediately as they are inaccurate and damaging my credit score : XXXX  XXXX dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX, dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXXXXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX, XXXX XX/XX/2021 XXXX XXXX XXXX dated, XX/XX/2021 XXXX XXXX XXXX XXXX  dated XX/XX/2021 XXXX Companies dated XX/XX/2021 XXXX Financial dated, XX/XX/2021 XXXX XXXX dated XX/XX/2021 I did not give any of these corpo

rations permission to request a credit report and have asked these agencies to remove this information asap, this has not happened. Please help me solve this issue. Thank you

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 2021-04-21
Company: DISCOVER BANK
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:
Today XX/XX/21 was the last day I spoke with XXXX XXXX about a lost reverse payment amount of {$7200.00} and after speaking with Discover Card. Discover card they said XXXX XXXX needs to do an investigation of the lost check with Discover Card and then Discover card would look into this matter. Then I called XXXX who said their Bank Operations Dept said I needed to tell Discover Card to initiate sending documents about what they did with the reverse check. Discover Card said XXXX needed to do this and XXXX said it was against their policy to do anything. I called Discover Card back and after being placed on hold my phone was disconnected. I got the impression Discover Card didn't want to help and just disconnected my phone from them. Both companies to me are really incompetent and don't know how to help their customers. I have been calling XXXX XXXX XXXX and Discover Card to no avail for 3 weeks. Personally I believe both companies are incompetent. I really need help in getting XXXX to credit my {$7200.00} back. Both of these companies are just giving me the run around. Also, XXXX XXXX is not even giving me credit for this mistake and I have a {$5900.00} negative balance and they reported that I was overlimit to XXXX  Discover Card needs to research and find out why XXXX XXXX  didn't receive their return check for {$7200.00}. Both companies have poor customer service depts. I can no longer deal with either company. I need your help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: DISCOVER BANK
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bought XXXX XXXX XXXX of {$700.00} as I was scammed by a person who said he was XXXX XXXX XXXX, and he needed the gift cards to update his personal computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
-- -- -- -- -- -- -- -- - XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
-- -- -- -- - XXXX XXXX Address XXXX XXXX XXXX XXXX, FL XXXX XXXX number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
-- -- -- -- -- -- XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
-- -- -- -- -- -- - XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/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 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-11-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent letters to Equifax, XXXX and XXXX regarding inaccurate and unknown items on my credit report. It has been over 4 months and I have not received a response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 4 months so these items should be deleted as soon as possible. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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. 

Account name : # Santander consumer # XXXXXXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2020-03-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of XXXX, I had to get a root canal. At my dentist 's office, I was told about Synchrony Bank and something called CareCredit where I could get a loan to pay for this medical cost. At the time, I thought it a good idea because I was told by a representative of Synchrony Bank that it was a promotional finance loan where the first year of payments would be interest-free and any remaining balance after the initial twelve months, I would then be charged interest on that balance. I signed up for the service and the secretary at the dentist 's office printed the paperwork out for me. I took the paperwork home and looked it over. I then called Synchrony again to ask more about the loan. I was told a second time that the first year would be interest-free on any payments I made. 

This turned out to be partially true. While I did not pay any interest in the first year, because I carried a balance in XXXX of XXXX, the company than turned around and tacked on all the interest I did not pay over the year to my remaining balance. When I questioned them about this, they told me that it was clearly printed in the paperwork on each statement that deferred interest would come due if I did not pay the whole loan by the end of the year. 

I found their promotional deal deceptive for this reason, two different reps when explaining the details of the loan did not mention having to pay deferred interest, instead, they highlighted no interest for the first year and paying interest on what was left in the second year. 

I have looked over the paperwork, which I held onto. And while I can see now that it does indeed state that to avoid paying deferred interest payments, I must pay all of their promotional loan in full at the end of the 12 month period, no one took the time to make sure that I fully understood this. 

I do take responsibility for not looking over everything more carefully. My issue is with the way that this loan was advertised to me with important details verbally left out and giving me the impression that the product was one thing when in reality it was something else. 

At XXXX XXXX, for instance, when I took out a loan there, the banker took the time to explain all of the details and what they meant. If I had known, and I do take partial fault for this, but if I had realized the exact terms, I would have gone to XXXX XXXX where I could have gotten a much better interest rate. 

When I spoke to one of the managers at Synchrony Bank about this, I found her arrogant and patronizing. She also told me that how the employees at the bank explained the terms of the loan were not relevant to my situation and then she hung up on 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 2020-11-09
Company: EQUIFAX, 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:
I am a victim of identity theft. I have reported to all three credit bureaus that fraudulent charges were made with my information. XXXX XXXX XXXX XXXX has not removed the account. I have contacted and disputed this account 4 times. The balance is {$24000.00}. I have never did business with this company. This account shows up as closed. I want to file a complaint on all four parties. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
After submitting my first complaint to cfpb, the company responded to cfpb that I have no legal authority which is not true and I printed that document out. I received a phone called of harassment, from their Champion Realtor. I called her back and told her don't threaten me with false statements. I reached out to Champion and they hung up in my face telling me I have no legal Authority. I am the Legal Executrix of the Estate and the only beneficiary of the Estate documented by the Court. Since also reporting to cfpb, Nationstar has now included my neighbor 's with threatening, me. stating my neighbors contacted them and shared that my branches and debris had fallen on their property. However, they can not share the name of this person : Where I live is all XXXX ; [ the community /town 3 % XXXX ] I am the only XXXX family here/ in this neighborhood, when we moved here my son was playing with a friend he was invited to join- in the friends house to watch movies, the neighbor called the police and said a XXXX man was breaking in the house ; my XXXX year old XXXX Male son was surrounded by XXXX and his XXXX  friends as children when police went into that house due to my neighbor 's and their tactics ; I am still traumatized from that event.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: AR
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 hope this letter finds you in good health. I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts I have made to remove fraudulent items from my Credit Report. I believe it is essential to address this matter promptly and seek a resolution to rectify this ongoing issue.

I want to emphasize that I have followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to affect my credit scores.

The persistence of these fraudulent items has not only caused me financial distress but has also eroded my trust. As a loyal customer, I had expected a higher level of service and security, which has regrettably been lacking in this situation.

I kindly request that you take immediate action to investigate and rectify this matter. I expect a timely response, detailing the steps your company will take to resolve the issue, as well as a clear timeline for the resolution process. Additionally, I urge you to strengthen your security measures to prevent such incidents from occurring in the future and to consider compensating me for the inconvenience and stress caused. 

If my concerns are not addressed satisfactorily and promptly, I may have no choice but to escalate this matter further by seeking legal remedies and notifying relevant authorities about the fraudulent activities. I am pleased for your assistance to remove these following items held by the Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: PNC Bank N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Back in XX/XX/2022 Pnc bank contacted me to tell me there were closing my account and it would be closed by XXXX XXXX and that I would be receiving a check with my balance. I have called multiple times to get answers on why they havent closed it. I have over XXXX sitting and its been over 4 months since they held my funds and wont close the account after they said they would. It is a crazy time with Covid why would you be holding my money for so long. I have spoke to multiple ppl only for them to say they will escalate it and the escalation person doesnt give me answers either. I need my money. Now.

Company response to consumer: Closed with explanation