BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-15
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I applied for a XXXX loan on XXXX XXXX I was paying the loan every month until I fell behind by two payments. 
I want to settle this account and every time I call the collections department someone picks up and hang up. 
This is my second complaint in this month. My main concern Im paying XXXX every month and the in thing thats being applied to the principal is XXXX Its almost a year and I still owe XXXX this is ridiculous that a company like this can get away with charging people triple. When I complained in XX/XX/XXXX I provided proof of the loan, but the company came back and stated that I borrow XXXX in XXXX thats a lie. And cfpb closed the complaint. They never asked for there proof or anything. I need help with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: OPTUM BANK, INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Optum Bank DBA Optum Financial is the XXXX of my Health Savings Account Case # XXXX I closed my Health Savings Account and requested my funds be deposited into my account. The account on file as closed, so the bank returned the deposit {$350.00}. For almost 2 months I have called and I have been told different things by different representatives. I was told that a check was mailed last month. I was told yesterday XX/XX/2022 that the XXXX would deposited into the account today XX/XX/2022. Nothing has happened. I still don't have my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I have filed all police reports, id theft affidavits and paperwork that is required under the FCRA. Synchrony bank was notified on XXXX occasions, that I never applied for, opened, authorized anyone else to open, or benefitted from the following accounts : Amazon / Synchrony Sams Club/ Synchrony PayPal/Synchrony These accounts were opened fraudulently and are not mine. I currently have a federal FCRA lawsuit in the XXXX XXXX of PA regarding the identity theft and am suing the major credit buraus. I have retained a consumer protection attorney to represent me for this identity theft. 

Synchrony bank was notified on XXXX occasions and all relevant identity theft documents were sent to them at the following address via certified mail : Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Synchrony bank responded on all XXXX accounts that they were removing them from my credit reports, closing the accounts due to fraud and that I was not responsible for the balances. 

Upon checking my XXXX credit report during preparation for my FCRA lawsuit, I noticed an XXXX XXXX made a soft inquiry on my report on XX/XX/2023. Upon further research, it has been determined that these same XXXX identity theft accounts that Synchrony was aware of, have been turned over to a collection agency ( XXXX XXXX ). 

This is illegal. I have attached the letters from Synchrony Bank proving they acknowledged these accounts were the result of fraud. I have also attached a copy of my identity theft lawsuit that is filed in Federal Court, my police report and FTC Identity theft affidavits for these accounts. I have also attached screenshots of these accounts from XXXX XXXX web portal showing they are trying to actively collect on them without regard to my identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
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: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

XXXX. XXXX XXXX XXXX Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXXXXXX XXXX XXXX  [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-11-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone made a wire transfer to someone that banks with XXXX XXXX XXXXXXXX. We do not know anyone that Banks with XXXX because we all bank with Chase. THe amount that was transfered was {$8000.00} on Claim # XXXX. Online Domestic Wire Transfer VIA XXXX XXXX XXXX A/C XXXX XXXX. We have no idea who this person was or is. Chase said that they could not do anything because it was done in the same routing area from my son 's telephone number. Chase keeps giving me the run around and they can't seem to have their story straight. THey say its XXXX and XXXX says that they are just waiting for a letter of agreement from the bank. I don't know what else to do. I send out letters to chase weekly and have not heard back. I feel that at this point they are just ignoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: TN
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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrows are being over-projected by approximately {$1400.00} extra a year from actual assessment and yearly XXXX to XXXX tax of {$3300.00} to {$4800.00} inflating monthly mortgage payments. Rather than fix problem, Mortgage servicer XXXX XXXX loan servicing did transfer loan servicing to Select Portfolio Servicing in XX/XX/XXXX. Called SPS on XX/XX/XXXX was treated very badly and again on XXXX and XX/XX/XXXX while providing useful city hall data from the Tax collectors/assessors office to prove that real estate tax on XXXX XXXX XXXX XXXX, MA XXXX is being ove-rprojected. To date there has been no effort to correct matter. Please assist as this now shows an intent to defraud consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The reason for the communication refers to the following concerns : 1. Unreported or inaccurate information on my consumer credit reports : When reviewing my XXXX report, I noticed that the credit limit of {$19000.00} is not reported, as reflected on the XXXX credit report. It appears that XXXX only captured payment history for the last 24 months. 

When reviewing the XXXX credit report, I noticed that payment history for the last XXXX  months is not displayed ; only the month of XXXX is visible. 
When checking my Equifax credit report, my XXXX XXXX account ( including credit limit and XXXX payment history ) is not reported. 
I request that you report my XXXX payment history and {$19000.00} credit limit to all credit agencies to ensure accurate financial information on my credit reports with the major agencies : XXXX, XXXX, Equifax, and others as applicable. 

2. I would like to know my membership number because I can not locate it when accessing my account. 
Additionally, I would like to understand the process and implications of canceling my membership in the future. Since contacting you directly has proven difficult, I am seeking this information through this channel. Needless to say, their customer service could be improved. 
XXXX. I am supposed to have a VIP membership with a limit of {$30000.00} instead of a credit limit of {$19000.00}, indicated in the membership terms at the time of subscription 4. When I initially signed up for this membership, the agreed upon amount was {$570.00}. However, it has now increased to {$620.00}. I would appreciate an explanation of this setting. 
I am willing to provide any additional information requested and wish to express my gratitude for the time and effort you invested in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
All requests took over 30 days to resolve. Transunion, XXXX and XXXX all report my student loans twice. They report the balances as late when the student loans have been discharged completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with Student Aid Commission. Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and Transunion reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the discharged student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the medical credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.

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 2023-09-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: ND
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I tried switching to biweekly mortgage payments in XXXX and XXXX of this year. The correspondence that Citizens Bank of XXXX XXXX, VA sent me during this process was unclear and not forthcoming. This resulted in me missing a payment and being assessed a late fee of {$56.00}. Once that issue was resolved, the biweekly auto draft started coming out of my account. Fast forward to end of XXXX early XXXX and my auto draft biweekly payments stopped. I called citizens customer service and spoke to several individuals and they have no idea as to why this occurred. I am deeply troubled and concerned with the way this Bank operates. I think they have dishonest business practices and are intentionally making it hard for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: AZ
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX Fraud Account Thx Delete account XXXX XXXX XXXX XXXX XXXX Account Delete Please XXXX card XXXX Not My account please delete

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 2021-06-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This is now our XXXX complaint against Midland Credit Management. 

The prior details can be seen in complaints XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX XXXX, XXXX ( XX/XX/XXXX ) We have attempted to resolve the debt with the company. However, we constantly get bounced from department and department. Are told conflicting and contradictory information. Told we would be called back, and would not be. 

Upon learning of the CFPB lawsuit and settlement with Midland Credit Management, and feel we may in fact be covered under this case. 

We are unsure if we have ever received the complete and full documentation on my wife 's case. However, my wife was never served in this matter. The proof of service they have is for one XXXX XXXX, who she does not know nor did not reside with. We have informed Midland about this multiple times. A simple address look up will inform them that no XXXX XXXX resided at the residence on the service. Despite their fraudulent statements and filing knowingly false information with the court we are willing to negotiate based off the original amount of the debt. Midland 's failure to notify and give proper service is their fault not ours. She was never notified of the case until XXXX, and never had a means or chance to provide a defense due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The Complaint alleges that by failing to XXXX these accounts from fraud and failing to address claims in a timely manner, Bank of America violated the Florida Consumer Privacy Act, Florida Unfair Competition Law, and Regulation XXXX of the federal Electronic Funds Transfer Act ; cardholders ; failed to warn Account and cardholders about the risks associated with its Security issues my email texts about accounts and debit cards ; and negligently among other violations of law. 

Due to the bais experience with trying to reach out to the above banking institutions to address the account where obtain during fraud and Banking institutions failed to provide safeguard to consumer information consumer do not authorize no to open or obtain a Banking account

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