BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
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:
The lending company on my mortgage was assumed by a new company and name. My mortgage payment was on automatic bill payment and went to what apparently was an old account number from before the lender changed. I spent months with the company trying to track down multiple payments. Once we finally found the payments and they applied them to my account, they still reported a late payment. The company mailed me a physical letter stating it was their mistake. I submitted this to the credit bureau, they investigated it, and it still show a late payment even though they have documentation from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Millco Management
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After requesting a copy of my credit report I found that Amerifinancial Solutions had placed a collection account on my credit report on XX/XX/XXXX. Previous to this I had not been contacted so I was never given the right to dispute the item. The amount is for {$350.00} for service that was rendered sometime in XXXX that had been previously disputed. I requested a copy of my credit report after I received an alert that my credit score had dropped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 inructions 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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 
Account Name : Account Number XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX All those above accounts have 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 or 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 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 2023-03-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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, XXXX 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 XXXXXXXX, Federal Student Loan ( Department of Education XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 64 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 items 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists According to 15 US Code 168c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. You are using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Well someone stole my card and was taking money out at a atm because I had my pin # on the back of the card so I reported my card stolen and tried to dispute the transactions so they gave me my money back but then shut down my account with them and that messed up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Direct Capital
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It is a debt collector ( Direct Capital XXXX ) who claims that I owe for a payday loan. I asked for all their contact information and the man I spoke to hesitated to give me all the information. I asked for a verification letter and he said they could n't mail XXXX out and the best they can do is email it. I pushed for a hard copy to be mailed to me and he reluctantly agreed. It 's been 2 weeks and I have n't gotten a hard copy mailed to me. I finally got an email today but it does n't look legit. I looked up the address he gave me and it is a business called XXXX XXXX. It 's not Direct Capital XXXX like they claim it is. They called my sister looking for me and she got an automatic message that said they were looking for me and there was a complaint filed with my SSN and I need to contact them. They left that same message for me and when I contacted them, they said they were about to send my information to a legal party and sue me for triple the amount if I do n't pay. He also stated that they had mailed out letters. He told me which address they mailed them to and I had n't been at that address for 6 years or so. He said they tried to find my current address but were unable to. I told him I do n't know why that is since I had changed my address with the post office to my current XXXX about 3 years ago. I would like to send them a cease contact letter but I do n't know if it would do any good since the address they have listed and the address he gave me seems to be for another company entirely. I have been called from various numbers by them. XXXX number was local and the other numbers have been out of state - Florida I believe. They never leave any messages.I am trying to take care of my legitimate debts but this XXXX I really believe is a scam.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: NY
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:
1 XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX Acct # XXXX In Accordance with the Fair Credit Reporting Act XXXX Accounts 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 2015-12-07
Company: Northern Trust Company, The
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Northern trust of XXXX XXXX representatives habitually fail to respond to letters, certified or otherwise, about concerns with open issues in relation to my father, XXXX XXXX XXXX 's estate, turned over to Northern Trust of XXXX XXXX in XX/XX/XXXX. 

An E-Mail was sent to Northern Trust headquarters in XXXX on XXXX/XXXX/XXXX, asking if there would be someone who would be willing to discuss my concerns before a complaint goes public with the Consumer Financial Protection Bureau, the only response to which was an acknowledgement of inquiry, copy attached. 

There has been no response to a certified letter, addressed to the executor of my father 's estate at Northern Trust of XXXX XXXX, a copy of which would be attached, again documenting the open issues with the estate, as well requesting specific documentation required to perform an accurate accounting of my father 's estate. 

Consultation with several Florida estate attorneys resulted in complete assurance that as a beneficiary of the estate I have the full legal right to such documentation. 
Are you aware of any national investigative journalists who are, or might be interested in, investigating estate management companies such as Northern Trust? 

The idea that so much effort must be applied to simply request Northern Trust of XXXX XXXX to perform according to their legal responsibility would be oppressively offensive. 

My father who was an estate lawyer all his life must be rolling over in his grave after surrendering authority over his assets to Northern Trust of XXXX XXXX. 

The transfer documents for the sale and distribution of my father 's portfolio would have taken me less than a week to process. 

The sale of his condo could have been easily handled by a real estate agent. In fact the condo was sold to the only person who ever showed interest in the condo for {$60000.00} below appraisal value, without ever being publicly listed. 

That this matter drags on for sixth years would be an abomination.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, I attempted to use my debit card for gas to get to work and it was declined. At my lunch break, I reviewed my account to find out that Union Bank has shorted my account {$88.00}. After my withdrawal of {$1000.00} ( not including my deposit of {$7200.00} ), I had {$620.00} left. I calculated all of the charges since that date and have spent {$540.00}, which leave {$88.00} missing. Thank XXXX I had a credit card or I would have been able to get to work today. I am very livid and XXXX off that I don't have access to my own money. I should not be overdrawn {$210.00} as stated on my account balance. Unless my XXXX XXXX XXXX and prior education has taught me Math incorrectly, this is completely incorrect. I would like to find out how to file suit against Union Bank or if their is something the CFPB can do about this. Union Bank should not be stopping anyone from utilizing their own money. Now, I have to figure out how to survive until this matter is straightened out. I have been not only inconvenienced but put in a place of hardship that I should not be experiencing.

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 2015-10-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was buying a car on XXXX for XXXX, and the suppose owner was to ship yhe car though XXXX XXXX.I sent the money thru moneygram to a XXXX XXXX in XXXX, XXXX, and the moneygram was diverted to XXXX XXXX, without my promission.XXXX did not vet the ad, as it was a total scam, and they knew it, due to the fact that in their bylaws they with XXXX.XXXX is part of XXXX, and XXXX XXXX says that in order for XXXX to take responsibility for car, it can only be listed on XXXX XXXX site.XXXX had the responsibility to flag the post, and Ifeel that they were in on the scam, because they still have cars on XXXX XXXX site that are scam cars.I hope you can help me, to shut them down, because according to websites, they are many people that has been victims of such a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: EQUIFAX, INC.
State: WI
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:
Equifax is showing an account as open when it was paid and it should be marked as closed. They also have a ridiculous security question It is when was the last time you asked for a credit report or when was the last time you filed a dispute with equifax. So i was forced to mail them a letter even though i answered all the other questions correctly and they clearly knew i am who i say i am.so i was forced to put my identity at risk by mailing them a copy of my drivers license and social security number through the mail because i simply didnt know the last time i filed a dispute with them. Anyway i want the account on my credit report to be marked closed as it has been paid or i would like it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: SC
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 OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Experian and XXXX Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00}.

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 2023-01-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have been trying since the middle of 2021 to get an account created with myEquifax.com. I have been constantly on the phone with representatives and I get a different answer each time I speak with someone. I WANT MY ACCOUNT CREATED NOW!!!!! It has been repeatedly asked that I submit a Soc Sec Card and my Driver 's License to confirm my identity. I have submitted those items several times because I have disputed items on my credit report and the results are sent to me EVERYTIME! 

I am tired of the run around and when I asked to wait for anything, I am always hung up on. The low down scamming behavior that exhibits with these credit bureaus are insane. The more they scam us out of money, the more they get away with by just paying {$5.00} in a settlement fee! 

I will be contacting my LAWYERS and I will be compensated for the continued abuse of power from these agencies. 

I want my account created NOW and stop it with the excuses!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have never been late on my bills. paid on time. I have excellent credit in XXXX. where I have a company. my name there is extremely correct. and here I don't know what's going on, XXXXne or two companies made a mistake and denied my name and XXXX accepted it without verifying the veracity. I'm about to hire a lawyer here and sort this out. I need to understand why they accept negative without being sure. My XXXX is not perfect so i try undrstand credit report here. Icall i try looking what happend. but really i dont have any problem. I have never been late on any payments in my entire life. And what could have happened is that I didn't make a purchase or two through XXXX. and I explained that someone tried to use my card. and it could be that the company turned me down but I don't owe anyone anything and I always pay my bills on time. another mistake and that XXXX goods outsources the receipts. and the company made a mistake and turned me down. I don't owe them anything. and I paid off my car so I wouldn't have any more problems with two installments due on the same date.

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 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from XXXX left a message regarding a complaint forwarded to there office and pending actions against me failure to contact will result in a final decision without my consent. Phone number to contact is XXXX ref # XXXX When I called not knowing it was a debt collector the person stated that it was for an old account that has reached it's statute of limitation but that I could be sued to collect such debt. They gave me my SSN and my address in XXXX, CO the debt collector is in CA. They stated that I opened a bank account with Bank of America on XX/XX/XXXX - XX/XX/XXXX and owed Bank of America money. I informed them that lived in XXXX, CO and during the dates mentioned Bank of America did not have any local branches. Furthermore, I have never had a Bank of American account nor did I owe any money to this entity. They proceeded to inform me that since I did not acknowledge the debt I would be sued. I would soon be served with a court summons. I attempted to locate the name of the debt collector in the CA secretary of state but I could not. I called the debt collector and they gave me an entity number. listed as XXXX XXXX XXXX WHICH WILL DO BUSINESS IN CALIFORNIA AS 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