BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and needs to be update in positive immediately : XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: IN
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:
I have requested that XXXX and Equifax remove an account that XXXX had removed from my credit report, and XXXX and Equifax did not respond and/or they claimed the account will remain on my report. I asked XXXX and Equifax for verification and they did not respond, and the inaccurate accounts still remains on 2 out of 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off my mortgage 12-15 years ago with XXXX XXXX. In XXXX of XXXX I went to my bank, XXXX XXXX, to apply for a home equity loan to update electrical. I previously had a credit score of XXXX and XXXX XXXX told me they wouldn't give me a loan because my credit score was so low. XXXX XXXX told me that there was an outstanding mortgage on my paid for home which had been taken out in XXXX. I did not apply for or get a mortgage on my home. XXXX XXXX told me that the mortgage on my home was held by Ditech Financial, LLC. I have called Ditech numerous times and asked them to send a copy of the mortgage with my signature to me. Ditech has refused to do so. Someone has committed fraud by taking a mortgage secured by my home without my knowledge or permission. I want Ditech to provide the information and I want the mortgage removed from my home since it is fraudulent and it is affecting my credit adversely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. I contacted the company Diversified Consultants and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 

I have not received a reply from this company and it is over 30 days and they are now out of compliance. Under advise, I wish to informed Diversified Consultants that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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:
To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SYNCB/JCP XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$880.00} {$880.00} -- -- -- REV {$0.00} CHARGE Jcp must have wrong person why posting someone else debt on 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 explanation
Consumer complaint received 2021-01-04
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I filed a dispute in XX/XX/2020. My card was never canceled, I never received a new card and I never received the paperwork to finish filing the dispute. Since XXXX I have called customer service at least 10 times ... each time being put on hold anywhere from 2-4 hours. I can not log in to my account online on the website or the Way2Go app because the security picture and name do not match the ones I chose for my account when I registered. It matched ONE time, and it has been something different every other time. I have called multiple times, never resolving the issue. I finally received a new card in the mail, but I STILL can not log into my account and STILL have not been able to file the dispute from XX/XX/2020. I received 5 monthly statements that I requested because I have not been able to log into my account to look at the numerous charges that I did not authorize. I am at my wits end with this card because I cant seem to get anybody to help me! It says on the website that if the security image and name do not match the ones that I chose for my account, not to log in ... .and to call the number on the card. I have done that so many times! Nobody seems to understand what Im talking about or to be able to resolve the problem! I have tried clicking forgot username and setting a new one with a new security image and name, but it is still NOT THE ONE I CHOSE!! Every time I try to log in, it has a random security image with a name that matches the image ... .but NOT the one I chose for my security image!! 
Also, when I have called customer service quite a few times they ask me for my full social security number AND the password for the account!!!! I feel like something is DEFINITELY not right with that! I have NEVER had anybody ask me for my full social security number AND the password for my account! I appreciate your help in this matter!

Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: TX
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:
- Contacted the creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning the XXXX XXXX of my credit reports. 
- Creditor responded that the information was accurate and valid per FDCPA. 
- However, the No Surprises Act requires healthcare providers to give a good faith estimate of medical expenses for individuals whose insurance didnt cover their care. 
- Debt collection agencies are not supposed to report information about medical debts covered by the No Surprises Act. Doing so violates my rights under the Act.

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 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Dear Sir/Madam : Starting XX/XX/ 2018, I have wrote several letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : any actual damages I sustain by you failure to delete the item ; punitive damages as the court may allow ; and costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission.

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 2021-01-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have attempted to get my Equifax credit report disclosure by contacting them directly on XX/XX/2021, I was not successful. My internet ( online ) service is spotty to obtain the free annual weekly report online. I have lived at the same address for over 8 years, have not placed any fraud alerts on the report. Further, I have been successful each year having a credit report disclosure sent to me. 

Having an automated recording telling people to send a letter with identity documents is not very smart during Covid, especially, when a lot of people have immune compromised health systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: SYNCHRONY FINANCIAL
State: TN
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:
There is an account that i was apparently listed as an authorized user on without my knowledge. and It was closed in 2006 yet still shows on 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 explanation
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Over the past few weeks, I have encountered a series of unauthorized transactions totaling over {$7000.00} from multiple merchants. 

Initially, I filed a dispute with XXXX, the payment platform through which these transactions occurred. However, XXXX denied my claim, citing that the seller provided information indicating I had authorized these transactions. They mentioned that the seller referenced IP matching as evidence of my authorization, despite the fact that I did not receive any goods or services from them. 

In light of XXXXXXXX XXXX denial, I escalated the issue by filing a dispute with Chase Bank, my credit card issuer. To my surprise, Chase also denied my claim, explaining that XXXX, the card network, had conducted an investigation and concluded that I had indeed authorized these transactions. This decision was perplexing, given the numerous unauthorized charges involved. 

The situation has now become extremely frustrating and financially burdensome, as I am left with over XXXX transactions, each ranging from {$1.00} to {$99.00}, that I neither authorized nor received any benefits from. What compounds my concern is the apparent circular referral process, with XXXX pointing to the bank, the bank to XXXX, and XXXX directing me back to the bank. I find myself stuck in a disheartening loop of unresolved issues. 

I am reaching out to you in the hope of finding a resolution to this matter. These unauthorized charges have not only affected my financial well-being but have also eroded my trust in the security of online transactions. 

I kindly request your assistance in investigating and rectifying these unauthorized charges. Any guidance or support you can provide to help resolve this situation would be greatly appreciated. 

Please let me know the steps we can take to address this issue promptly. I can provide any necessary documentation or information required to assist with the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
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: Investigation took more than 30 days

Complaint:
Dear Sir/Madam : Starting XX/XX/2018, I have wrote several letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.

Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILDSUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : any actual damages I sustain by you failure to delete the item ; punitive damages as the court may allow ; and costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: CITIBANK, N.A.
State: CA
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:
This was a credit card application to XXXX XXXX Bank in XXXX XXXX not bby me but by somebody else. The Bank replied to me saying that " The submitted application has been determined to be suspicious or potentially fraudulent? '' somebody using my information tried to do that, what would they need to try that? my social security number? 
I have lost almost {$100000.00} dollars to fraud by different people. Namely, XXXX XXXX, XXXX XXXX and another man called XXXX XXXX. These people have a syndicate operating out of XXXX, XXXX and I believe they have caused fraud to other people also. 
My XXXX XXXX had {$20000.00} charged to it and they said it was fraud by XXXX XXXX. Other credit cards of mine also have been charged thousands of dollars along with phone purchases from XXXX XXXX XXXX  that I am now having to pay off. 
Thank you for investigating this.

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 2022-07-13
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:
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. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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