BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: DC
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Made an over payment on a payoff to a car loan. Santander sent me a pre paid Debit Mastercard that I am unable to register on line as instructed. The amount is for only {$22.00}, however they have made it impossible to register the card on line. All digits entered come back as not valid. This is just a scam by this company to get the recipient to give up trying to receive their funds due to them. 

XXXX XXXX XXXX XXXX XXXX XXXX card information : Card # XXXX Exp date XX/XX/21 Security code XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Refused to close my account. Charged interest rate. Put me in collection. 
An issue began in XX/XX/2015 when I was trying to close my account. Since that I was charged an unknown interest rate. Every time I attempted to close the account I was denied.

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 2023-07-15
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1900.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$78000.00} XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Closed collections account was sold to I C SYSTEM and reopened without notification of right to dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed the account and they billed me the annual fee anyway, then put it into collections. It is only {$50.00} and I could pay if I owed them the fee. They assume I dont have any money. 
I have called five times to confirm that I requested an account closing and they keep hanging up on me after I speak to one person then get transferred.

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 monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified inquiries 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 inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/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 2020-02-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I've recently checked my credit report from Experian and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. The XXXX  XXXX XXXX ( Acc no : XXXX ) and XXXX XXXX ( Acc no : XXXX ) accounts were disputed and deleted in XX/XX/2019. However, Experian reinserted fraudulent accounts without notifying me.

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 2023-07-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Synchrony Bank closed my always paid on time account with Amazon without warning because I had a hiccup at my bank and I was told they closed it because 2 of the payments didn't go through for a very small amount of.money and they were extra payments not payments towards the monthly bill. I tried to rectify it with a CSR and then their manager but they just gave me a curt response. They are notorious for doing this and they did it with both my Walgreens and XXXX and XXXX card in which both had XXXX balances and the full amount of available credit. 
I am peeved!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-10-02
Company: VIRTUOSO SOURCING GROUP, LLC.
State: OH
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:
Virtuoso sourcing group is harassing me and constantly sending me a settlement proposals for a debt that does not belong to me. They are threatening to put this on my credit report and I had no knowledge this account even existed. This account was opened up at my address without my knowledge nor my consent. When I moved into this property this service was already on and I did not set up any security services at this address. I spoke with XXXX and they said they sold the debt to virtuoso sourcing group and could not do anything so I spoke to this company and let them know I was a victims of identity theft and they refused to close this account they refused to look into this matter any further so now here I am reporting this as identity and I refuse to pay this debt because it is not my debt nor my responsibility! Under the fair reporting credit act law 15 u.s.c 1681g and 15 u.s. 1681 ( a ) ( 4 )

Company response to consumer: Untimely response
Consumer complaint received 2022-08-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX  took {$870.00} for a student loan consolidation. They then proceeded to take {$39.00} a month from my account which I did not authorize. 

Chase only refunded me the last 3 months payments. 

I tried to reach out to the company to find out it was a scam, and they have just been taking my money. The number doesnt even dial out to try to reach them to resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2023 - I went to XXXX to apply for a " business only '' credit card with no personal guarantee. I specifically said multiple times to the clerk " I did not want this to have any inquiries on my personal credit report. If it did, I did not want the card and to cancel the application. '' She assured me that it did not and would not. Before submitting the report I asked the above statement one last time. She assured me once again then submitted the report. 
She obviously was incorrect and an unauthorized hard inquiry was put on my credit report with XXXX. When I asked the store manager what can I do he told me to contact their bank ( SYNCBLOWES ) and have them send a letter to XXXX for the unauthorized inquiry. Which I did, and was told they would. However, as of now they have not. So I am filing this report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX  I do not want to have this erroneous information in my report. It is an abuse that I am having bad credit because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: VIRTUOSO SOURCING GROUP, LLC.
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Virtuoso sourcing group is harassing me and constantly sending me a settlement proposals for a debt that does not belong to me. They are threatening to put this on my credit report and I had no knowledge this account even existed. This account was opened up at my address without my knowledge nor my consent. When I moved into this property this service was already on and I did not set up any security services at this address. I spoke with XXXX and they said they sold the debt to virtuoso sourcing group and could not do anything so I spoke to this company and let them know I was a victims of identity theft and they refused to close this account they refused to look into this matter any further so now here I am reporting this as identity and I refuse to pay this debt because it is not my debt nor my responsibility! Under the fair reporting credit act law 15 u.s.c 1681g and 15 u.s. 1681 ( a ) ( 4 )

Company response to consumer: Untimely response
Consumer complaint received 2023-05-14
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: Was not notified of investigation status or results

Complaint:
Equifax is violating my consumer rights. 

I have sent a request for arbitration and XXXX has so far ignored this request. 

I followed the steps online to start the arbitration and they have since ignored my request. 

Equifax violated my consumer rights by refusing to respond to written letters and only responding to CFPB complaints. They violated federal law stating that if they do not reply within 30 days of a complaint about specified accounts, the accounts under federal law are to be deleted. 

I have already spoken to XXXX about Equifax 's blatant violations of federal law. 

I have attached original copies of sent letters and usps receipt from arbitration request mail For over 1 full year Equifax has violated my federal consumer rights every change they got. I have written to federal and state / civil judges and to multiple attorneys who all have agreed with my evidence that Equifax is in the wrong. 

I demand justice in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This a complaint against XXXX I tried on several time to disputed these account because theres several inconsistencies and inaccuracies, and untrue. 

1 XXXX XXXX XXXX Account number XXXX 2 XXXX XXXX bur Account number XXXX  Child support enforcement  Account number XXXX I dispute these 3 account back XX/XX/2022 and XX/XX/2022 these account come back verify I asked XXXX to provide me the verification method the failed to do so. As now I demand to immediately remove these 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 non-monetary relief
Consumer complaint received 2019-02-07
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After reporting this continual unfair, deceptive and abusive behavior from Shellpoint, Shellpoint just responded to CFPB, and not me personally by mail, a letter dated XX/XX/XXXX ( ATTACHED ) with my requested information on how they determined I didn't qualify for a modification. As you can see yourself by the response letter given there are many errors I will disclose that Shellpoint purposely " added '' themselves that is NOT accurate in order to disqualify me illegally.

In Shellpoints evaluation they have included 3 properties I no longer own as the bank foreclosed on them AND several modified loans they have the payments plus PITI that I pay with the amounts incorrect-much higher of course!. Therefore, I am formally Appealing this rejection of modification due to the fact that Shellpoint decided on their own to include invalid information even though this was disclosed to them when I submitted my documents for review. 
I am Appealing their decision and asking again for them to cancel the XX/XX/XXXX sale date so that Shellpoint can do a proper review using factual numbers instead of them making it up. ISNT'T THAT A DUAL TRACKING VIOLATION? This is just one issue as Shellpoint continues to hold sale dates over my head WHILE IN REVIEW and for that matter during the entire modification process and Appeal period and refuse to give me the 30 days needed to respond, as I haven't even formally received anything back from Shellpoint on any of my disputes, or Appeals! 
Also, just to allow the CFPB knowledge of how Shellpoint and XXXX XXXX XXXX operate, I called in every day to see where I stood with the Appeal I sent in ( that Shellpoint " lost '' for weeks then " found '' once I pushed and spoke with a supervisor who would actually LOOK for it and update my file ) along with the many disputes and Qualified Written Request to which Shellpoint COULD NOT AND HAS NOT GIVEN ME A FULL ANSWER WITH LEGALLY, RECORDED DOCUMENTS THAT PROVE VALID STANDING. 
Also, no one at either company would tell me if my XX/XX/XXXX sale date was cancelled. I was left on my own to find out online at XXXX on XX/XX/XXXX hours after the purported XXXX sale time, that the sale date had been postponed until XX/XX/XXXX .... yet neither company would offer this information to me PRIOR to the XXXX XX/XX/XXXX sale date. I would think that the CFPB would call this DUAL TRACKING and uphold their own laws for the homeowners. I definitely consider this unfair, deceptive and abusive acts and practices, especially on a senior citizen as myself, XXXX years old in XXXX! They are targeting me unfairly and I am asking for the CFPB to protect me against these predators claiming to own my loan, provide me with answers to my requests and abide by the laws respectively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-07-31
Company: EQUIFAX, INC.
State: FL
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:
EQUIFAX, XXXX, AND XXXX ARE IN VIOLATION OF violates 1681e ( b ) FCRA FOR REPORTING FRAUDULENT ACCOUNT INFORMATION : XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$970.00} Status Account charged off. {$970.00} written off. {$970.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$120.00} Status Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14
Company: EQUIFAX, INC.
State: AL
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:
EQUIFAX HAS NOT UPDATED MY CREDIT REPORT SINCE XX/XX/2019. I HAVE NOTIFIED EQUIFAX ABOUT THIS PROBLEM, BUT EQUIFAX HAS IGNORED ME. 
THIS IS A SERIOUS PROBLEM FOR ME SINCE MY CREDIT UNION USES EQUIFAX EXCLUSIVELY.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Victim of identity theft, accounts listed have been opened fraudulently without my knowledge of consent. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Also the following names are incorrect please remove ; XXXX, XXXX, XXXX XXXX addresses ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX CA XXXX Incorrect employer ; XXXX Attached is a copy of my FTC Affidavit, Dispute Letter, SSN, CA ID

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