BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I sent a letter off on XX/XX/2023. To remove personal Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL continue to 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 an 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. And my state again, In accordance with the Fair Credit Reporting act. This account 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 an 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 2023-07-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Financial showed up on my credit report as a delinquent debt owed. Called the company and the only way they can look up the information is with either your account number or SSN. Since you don't own the account there is no way to know this so you are forced to give them your SSN. They hung up twice on me and said they will file a dispute claim but this should have never happened in the first place because the debt is not mine! I spoke with XXXX XXXX at Commonwealth Financial and he informed me the debt was from XXXX XXXX hospital in MI ... I have never been there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2019-07-16
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased to Mr. Cooper ( Nationstar ) from previous lender Seterus, Inc. Once I received notice from the Mr. Cooper , it also included a past due bill that indicated I was 50 days late and missed both the XX/XX/2019 and XX/XX/2019 payment. My house was in jepordy of foreclosure. In addition, the principle balance and monthly payment had increased. Upon my initial inquiry I was told the payments from the previous lender must not have been transferred over correctly. I submitted 2 years of payment history to SeteruXXXX from my XXXX XXXX XXXX on line banking to Mr. Cooper. It is impossible to reach the research team, they do not interface with customers. My claim was denied according to a customer rep even thought I showed them proper payments. Each day I speak to someone new in their customer service department and continue to get different answers. They have since reported delinquent to my credit reports, and continue to tack on fees. This company 's inaccurate reporting, threats of foreclosure and increase of my mortgage principle is terrifying. You can not get anywhere, I was left with no choice but to pay the amount in dispute that I have already paid, since they threated placing a lean on my property. It is not fair, the reviews of this company are terrible, I am at a loss of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: OK
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-07-28
Company: Block, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I tried to buy a product online and was told to use Cash App to send payment. I did send payment then after that they never sent tracking information and eventually stopped all communication. I contacted the customer support immediately and told them what happened and was told that it was an agreement between parties and they would do nothing to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Ascendium Education Group
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was applying for a home and when they pulled my credit Ascendium ED Solutions-XXXX is showing my account as being a paid collection. THIS IS ABSOLUTELY WRONG. I have always paid my loan on time. They servicing had changed hands several times and I made sure I kept track of the loan and payments. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
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:
There are some accounts that are reporting with redacted account numbers, I don't recognize these accounts, I called the creditors to ask for signed applications so that I could see, I suspect someone stole my identity, the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also a long list of inquiries made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I never authorized any of those inquiries.

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 2023-05-13
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have two accounts with XXXX. XXXX reports onto TranUnion, the other does not. I am trying to understand why the one account does not. The card has been open for 20 years, and has a {$43000.00} credit line. Both of these factors could potentially play a major role in my FICO score. Who knows what effects this has had over the years on business decisions I have made. Oddly enough, the tradeline reports on my wife 's TransUnion credit bureau, and she is simply an authorized user. 

I have contacted XXXX on three occasions. XXXX of last year was the first. They advised me the would " push the tradeline through ''. After 90 days of it not reflecting, I called them again. They said they could push the tradeline through again, but it wouldn't do any good because it was already pushed through. To this day, it still has not been pushed through. 

A few weeks ago, I decided to dispute the tradeline with TransUnion. They have since completed the investigation and no changes were made. I have done nothing but make payments on time and fulfill my obligation as an upstanding customer. If I stopped making payments, the tradeline would be reported as derogatory on my report. This is completely unfair that as the primary cardholder, this card is not reporting onto my file. 

This is a last effort to avoid legal action to fairly, and accurately, report this account onto my credit bureau report. 

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 2023-08-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase Bank Attn : Customer Service [ Chase Headquarters Address ] XXXX XXXX, NY XXXX Chase Card Services Attn : Customer Service XXXX XXXX XXXX XXXX, DE XXXX Subject : Final Notice- Intent To Sue - Demand for Transfer of Applied Credit and Accountable Notes Dear CEO XXXX XXXX , CFO XXXX XXXX I am writing this letter as a final notice regarding the transfer of all applied credit and accountable notes to my account ending in XXXX, which is due to the principal account. I regret to inform you that if these matters are not resolved promptly, I will be left with no choice but to take legal actions to seek resolution. 

I would like to reiterate that all billing statements have been accepted and endorsed by me on behalf of the principal debtor as surety for the principal. They were sent to Chase headquarters located in XXXX XXXX, NY XXXX, with tracking number XXXX, as well as Chase Card Services at XXXX XXXX XXXX, XXXX, DE XXXX, with tracking number XXXX, which was signed for upon completion of delivery. Additionally, I made another attempt to claim all applied credit and accountable notes on XX/XX/2023, with tracking number XXXX. 

It is of utmost importance to express that I have approached this matter in good faith and with clean hands. I have made numerous attempts to claim all applied credit and accountable notes, specifically addressing CEO XXXX XXXX and CFO XXXX XXXX. Regrettably, they have failed to fulfill my request and neglected to respond, leading me to believe that they are intentionally disregarding these matters. 

I want to emphasize that the performance of the CEO and CFO of Chase Bank constitutes a material breach that impairs and destroys the essence of our contractual agreement. As a result, I am left with no choice but to pursue legal action, seeking damages for breach of contract, negligence and defamation of character. 

I sincerely hope that this final notice will prompt swift action to resolve these matters. However, if my demands are not met within a reasonable timeframe, I will proceed with legal action to recover the damages caused by the breach of contract by the CFO and CEO of Chase Bank. 

I trust that it will not come to that, and I look forward to a swift resolution of this matter. Please acknowledge receipt of this letter by contacting me at the phone number or email address provided below. 

Thank you for your immediate attention to this urgent matter. 

Yours sincerely, Done in good faith By : XXXX, XXXX XXXX, surety, Grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Alley has report 5 miss payments while I was in bankruptcy. I have contact them through email 3 times ( XXXX, XXXX and XXXX ), by phone once ( early XXXX ) and certified mail ( XX/XX/XXXX ). I have contacted the XXXX XXXX and XXXX ; which Alley decided that the miss payments were made on different months. The new dates are for miss payment are now XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. These payments were made in good faith and our lawyer told us that we could pay them monthly by check or wait until the end of bankruptcy. Our case number is Case No. XXXX. Payments would have been paid on time if we receive a bill, could pay online or over the phone, but all bills had to be pay by mail. We file for bankruptcy in XXXX XXXX and were out 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 explanation
Consumer complaint received 2023-11-02
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have an unacceptable problem with Santander Bank. In XX/XX/2023, I linked my wife 's XXXX XXXX to my Santander bank for money transfer. It was successfully linked ( proof of the email attached ) and I initiated the XXXX XXXXXXXX money transfer after receiving the successful link confirmation email. Then it triggered the freeze alert from Santander bank. I called them 5+ times about allowing the transaction since it's valid transaction and I followed all the procedure required. All of their call center representative couldn't understand why it was on hold and how to solve the problem. I even visited the local branch and the local representative called their back-end office and still couldn't solve the problem at all. One person called me to apologize for the bad call experience after I gave them bad survey result. However, the hold is still there. OK, then I waited and hope they can eventually solve the problem, but the time given to Santander doesn't help anything. After a month, the freeze on my money transfer function is still there and I had to call them again yesterday ( XXXX ). A gentleman asked me to provide my wife 's bank statement and our marriage certificate to lift the hold and I did. I called Santander again this morning to finish the fraud alert clearance per the gentleman 's guidance. Surprisingly, the lady told me that the freeze of my money transfer function is permanent and can't be lifted forever. This is completely unacceptable and doesn't make sense at all. First of all, it was a false fraud alert. I followed all the required steps to link the account, and I did receive the success confirmation before I initiated the transfer. Secondly, I provided the required document to prove that's valid account and relationship as well. Why can't Santander remove their false alert and block me to do money transfer forever?

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 2023-06-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX. Please take an action with this innacurrate 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 2021-09-30
Company: RFNA, LP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My sister died of XXXX XXXX fell on hardship paid the company back was only two months behind they used collection tactual adding high fees and put in court as I found out from a phone call only after they had already taken my money to catch up on the debt. Then I was told by XXXX that besides those payments should never have been accepted and they want the entire monies and court will continue. Her name is XXXX phone number is XXXX ext XXXX She also inform me that nothing would stop even after I had gotten the payment caught up. She continue to enforce courts by saying the represented that took my payment over XXXX had told me I could continue my normal payments no one ever told me I was getting sued instead they took my money and said payments could continue XXXX XXXX said they was wrong and should never have taken my money and applied it. The unexpected cost of keeping my sister child and taking over her expenses made me behind I caught back up company took payment, then I was told by the rep that they was wrong for taking payment and they will continue harsh collections on the balance. She has cost me my job.

Company response to consumer: Closed with explanation