BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: TN
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: IL
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:
Please have this removed from my consumer report. ( XXXX, XXXX, And Equifax etc. ) 15 usc 1681 b ( 2 ) ( a ) ( i ) XXXX XXXX 590 % credit card utilization {$6400.00} 5 hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have {$16.00} remaining on an American Express gift card which I have been unable to spend anywhere. I have repeatedly tried to use it for XXXX purchases with no success, and today ( XX/XX/23 ) I tried to use it to pay a medical bill. The purchases are always declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ChexSystems is posting my personal information. ChexSystems violated consumer law FCRA section 604. Early XXXX i disputed an account ( s ) that does not share my personal address, that has been proven by them. However they verified the account as accurate via their online portal, no validation. so I immediately mailed them back via USPS mail and asked how what this account verified so fast. They did not respond, so i sent a follow up letter on XXXX, asking to have these account deleted because since this account doesnt match my personal information. ( address, etc ) Hence it is erroneous and inaccurate. ( Thats a FCRA issue ) They responded again via the online portal. Then on XX/XX/23, I responded again with a well crafted letter stating that the furnisher of this account share my personal information with my written permission, Chexsystem ignored what i stated about this being a violation on the FDCPA and FCRA 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information. Also, 15 U.S.C. 6801 of the FCRA stating that I have Protection of nonpublic personal information. They responded again with the same response yesterday. I can count 3 violations

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 2023-12-14
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Despite multiple CFPB complaints citing REAL laws, cease and desist orders, and identity theft reports, This company continues to email me and send me mail for a debt that is NOT MINE. I have proven per previous complains that the debt is not mine and that they are in violation of my rights as a consumer. The accounts are to be removed immediately and i want restitution for the damaged caused to my credit, being in non-compliance, and for the mental and financial stress this has put on myself and my family. My home currently has no heat and i have XXXX kids to take care of because i am unable to access credit that is rightfully mine thanks to the inaccurate reporting and NON-COMPLIANCE of this company. Negligence of the law is no excuse for your actions. Find the previous CFPB complaints. I'm not doing any more of your work for you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: PLANET HOME LENDING, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I send Planet Home lending a Debt Validation letter giving them 30 days to respond. They did not respond and on XX/XX/2023, which is almost 2 months more than plenty time to respond, i send them a notice of fault and opportunity to cure letter. They also didn't respond to such letter instead they assigned/transferred/sold the servicing rights to XXXX XXXX XXXX which now I having to deal with sending a billing debt validation letter too since they send notice saying that during the time Planet Home Lending didn't respond to the letter late fees have been accrued. In addition in the letters it stated the address where to send respondent mail, instead they send notice of transferred to an old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
To whom it may concern I purchased a vehicle about 2 years ago and ally is the bank that finance the vehicle. In the beginning everything was fine until about 5 months ago. Almost every payment i make ally returned the money to my bank account. When I contacted my personal bank they told me the error is not coming from their end that its coming from ally. A couple days ago I tried to make the payment again, while the payment is pending ally reposes the vehicle. I called them to tried to get the vehicle back they told me I have to pay the full amount of the full loan to get the vehicle back. Which doesnt make no sense and the error wasnt coming from me. I want to know if theres anything you guys can do to help me because I would hate for this to go 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 2021-03-11
Company: DISCOVER BANK
State: MD
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:
Discover Financial Services began sending me requests to complete IRS form XXXX, XXXX Request for Transcript of Tax Return, starting on XX/XX/2021 and they were completed and returned TWICE on XXXX/XXXX/3021 and XX/XX/2021. Prior to receiving these documents, Discover placed a hold on online access and card spending on my account until these forms were signed and returned. I waited for weeks, and repeatedly called Discover to ask when I would receive access to my accounts again. I even had to call Discover to make my credit card payments. I was always redirected to their " Consumer Protection/Security Group '' and the answer was " you've signed these documents, so you should regain access to your accounts once we finish processing them. '' When I asked if this was a financial review, every customer service rep and Security rep would say " not really, we randomly select people to go through this verification process. You should never have to do it again! '' ( that particular call was on Thursday XX/XX/2021 ). I never received any status updates or requests for additional information from Discover during their entire verification process. On Monday XX/XX/XXXX, Discover Financial Services sent me the attached email saying that a business decision was made to close my account. The email stated that this was an irreversible decision, and that this process and the inability to appeal was stated in my cardmember agreement. The email stated that Discover Financial Services reported to the credit bureaus that they would report my account as " closed by Grantor. '' I no longer have access to this agreement because my account was closed and deactivated. When I questioned Discover about their verification and decision processes, they stated that they had no information regarding the basis of my verification process, and why it ultimately lead to the decision to close my account. I was told my multiple Customer Security Group reps and customer service reps that they have no process in place to appeal this process, nor the ability to disclose what information they used to arrive at their decision, nor the ability to disclose the basis of their business decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: MI
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:
Do not recognize these credit inquiries. I've ask for them to be removed by Experian and did not get any help. I am also providing a copy of a Identity report attached to this complaint. I am requesting that the Inquiries be removed because inaccuracies and not mine.

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 2023-01-14
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: Account information incorrect

Complaint:
All three credit companies, TransUnion, XXXX, and XXXX continue to report this account as accurate even though i have court records showing a different amount owed too another company. I believe no investigation was ever done. It is harming my ability to apply for a home for me and my children. 
the amount shown by PROFESSIONAL DEBT, saying i owed them a total of {$3500.00} dollars as a high balance, they are saying i paid 28 % which i never paid this company, and that i now owe {$2500.00}. None of these amounts are shown in my court documents! so, they are reporting false information. That is a violation. I have disputed this account multiple times.

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 2021-03-11
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection account on credit report. Original creditor XXXX XXXX XXXX. Outstanding collection amount of {$1000.00}. Collection company : Franklin Collection Service IncXXXX XXXX. I have called and disputed with Franklin. They said they would send me complaint form. I have received nothing. The outstanding XXXX XXXX XXXX debt is for a bill in XXXX, Florida. I live in XXXX XXXX, California. I have never been to XXXX, Fl. I do not know anyone who lives in XXXX, Fl. I have 0 friends or family in XXXX. I have always lived in XXXX XXXX, California. This happened to me with a different collections account in Florida exactly 1 year ago to the month. I disputed and it was erased. This time I am not being afforded the same courtesy. I have sent a complaint to the FTC. I have sent letters to the 3 credit bureaus. I am going to hire a lawyer. I am going to file a police report. I will not stop until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This file, XXXX, for myself, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, initial review was from an application submitted XX/XX/2018. Then, in turn, denied for modification based on lack of a lower payment available per investor guidelines. The income that was reviewed by Rushmore was reduced from our application by more than {$2500.00} a month. We knew the appeal would be denied but we were told by XXXX XXXX XXXX at Rushmore, to submit anyway. We did so and were denied appeal. Thereafter, with the income proof on my bank statements, we feel confident my income will be honored from the application. 
We re-entered the process to reapply for modification and were Permanently denied PREMATURELY, without any real review of income/loan details. We have only had one formal chance to apply and have a reapplication based on a change in circumstance. 
We believe it is illegal to deny customers the right to modify or at least the opportunity to be reviewed for modification. Rushmore is now denying these rights many more customers than just this one. We are following up with the State Attorney General to insure you are abiding by the proper protocol for XXXX Banking Department, HUD and any other regulatory institutions that may apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX Allowed my parents to XXXX over {$500000.00} from my custodian account ( s ) ( my parents called it my trust fund ) the accounts have been closed for years. 

XXXX XXXX  stole {$2000.00} From my savings that account closed by the bank or branch without my consent or authorization JP Morgan Chase generates random charges to appear to appear as XXXX Transactions and monet dissappears without a transaction history and the numbers don't reconcile. 

JP Morgan Chase allowed my mother to XXXX {$40000.00} of my money to XXXX XXXX XXXX and then bought XXXX XXXX on my birthday XX/XX/XXXX XXXX  assuming to cover up the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$700.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  Inquired on 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 2023-09-18
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have an issue with the fact that I am so upside down I cant trade my car in. No one will take my car because I owe XXXX and my car is only worth XXXX. I need some answers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: DISCOVER BANK
State: CA
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:
I found on my credit report during the XXXX in XXXX, that my Discover credit card was closed. I called Discover customer service today ( XX/XX/XXXX ) and learned that it was closed due to inactivity, at around end of XX/XX/XXXX. However, I didn't receive any notice about the inactivity and their intention to close my account. 

This is my oldest credit card account and has a major contribution to my credit history. Discover closing my account without giving me notice is severely hurting my credit score. 

I have been current on all payments for the history of using this card, and I'm frustrated about them closing my account even having being a loyal customer.

Company response to consumer: Closed with explanation