BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion, XXXX, and XXXX continue to report inaccurate information on account listed XXXX Account # : XXXX. 

Account Type - Detail : Educational Educational - Account Status : Open Open Transferred Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$60000.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account transferred or sold Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XXXX/XXXX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Multiple inquiries not recognized

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 2023-03-26
Company: EQUIFAX, INC.
State: AL
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:
You are violating my rights! I sent disputes which you arnt investigating. I have electronic trracking saying you Equifax received my dispute via fax XX/XX/23 at XXXX XXXX XXXX. I have information from USPS saying you received my dispute in the mail XX/XX/23 at XXXX XXXX XXXX XXXX Why are you not doing a proper investigation. Delete these inquiries. You need to re investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which do not belong to me or were opened without my permission. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00}. 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 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 2023-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
i was hired to do a job by a known client that ended up with me being set up and forced to empty my pockets and open my phone at gun point. The person holding me at gunpoint then forced me to open my bank account and proceeded to XXXX all of the money out of my business account to a random person I do not know. 

The total amount stolen was {$13000.00} from multiple accounts. I have contacted the bank and they have denied my claims stating that this was authorized by me even though I have provided clear as day evidence including police report and multiple news reports.. even the detectives phone number who is on the case.

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 2023-08-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I spoke with several representatives on XX/XX/XXXX regarding my credit card because they recognized possible fraud on my card. They blocked my card and sent out a new card. In the interim, the male rep also informed me that he would me emailing me a card that I could use right away that could be added to my digital wallet. He asked me if I was familiar with that and I told him that I wasnt very skilled but that I would figure it out because my vehicle was being repaired and I needed access to my credit card ASAP. Later that day when I tried to add the digital card to my digital wallet, it wouldnt work and I had to call back and I spoke with a femal rep and I remember her name because it is same as my daughter, XXXX. Their phones were so busy that it gave me the options to call me back when a rep became available and I took that option. The call came in at XXXX XXXX, PST and I explained to her that I was having problems adding the card to my digital wallet. She began troubleshooting and the total call duration was XXXX minutes and XXXX seconds. After some considerable amount of holding and troubleshooting, she was able to get the card added to my XXXX wallet. I also asked her if my mechanic wouldn't accept the XXXX wallet, would I be able to go into a local Navy FCU branch and do a cash advance and if so, would there be a fee involved. She said that she wasn't sure, and she placed me on hold. She returned to the call and told me that there would not be a fee involved and our call concluded. I went into the branch on Saturday, XX/XX/XXXX and I did a cash advance because my mechanic did not accept the XXXX wallet and I ran into multiple issues at the branch. I ended up leaving the first branch because they weren't telling me what I had discussed with the rep the night before even though I had asked for the branch manager. I went to a second location and finally got the cash advance so I could get my vehicle from the repair shop. Today is, Friday, XX/XX/XXXX, and I logged into the Navy FCU app, and I noticed an interest fee in the amount of {$50.00} so I called, and they advised me that it was for the cash advance, and I was obviously not pleased. I spoke with a supervisor, and she said that another supervisor named XXXX said that she listened to a call on XX/XX/XXXX ( that never took place for the record ) and that I was never told anything about a cash advance fee and of course not because that is not when the call happened. It is so sad that Navy FCU is documenting such outrageous lies to cover up for the fees that they are charging me after the fact. Please investigate this travesty so that banks stop this kind of illegal behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: GA
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:
I am writing to express my deep concern and frustration regarding the ongoing and flagrant violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, a matter that has severely impacted my ability to secure a home loan. Despite my diligent efforts to address and rectify inaccuracies on my credit report, XXXX 's repeated failures to comply with the law have left me unable to proceed with the purchase of a house. 

I am also writing to bring to your attention a persistent and egregious violation of the Fair Credit Reporting Act ( FCRA ) by XXXX, one of the major credit reporting agencies. Despite my repeated attempts to rectify inaccuracies on my credit report, XXXX has failed to comply with the law, specifically outlined in 15 USC 1681. 

I have diligently followed the proper procedures and submitted dispute requests to XXXX on multiple occasions, providing evidence to support the removal of erroneous items from my credit report. However, despite my efforts, XXXX has not only neglected to correct these inaccuracies but has also failed to adhere to the legal framework established by the FCRA. 

According to 15 USC 1681, consumers have the right to accurate and fair credit reporting. The law explicitly states that there should be no damages to a consumer 's credit report that are not substantiated by valid, verifiable information. The persistent presence of inaccurate information on my credit report not only constitutes a blatant violation of my rights but also amounts to defamation of my character, as my creditworthiness is unfairly tarnished. 

I demand immediate and thorough action to rectify this situation. The only acceptable solution is the prompt removal of all collections and inaccuracies from my credit report, in accordance with the law. XXXX must comply with the FCRA and fulfill its obligation to provide consumers with accurate and reliable credit reporting. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate enforcement action against XXXX for its repeated violations of the FCRA. Additionally, I ask that you keep me informed of the progress and resolution of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received communication in late XXXX early XXXX from Midland Credit Management and could not communicate with the agents to understand the debt or try to resolve the debt. The agents would over talk me and I could not asked or get a question answered the agent would get louder. So, I stop trying. It was frustrating to XXXX XXXX I asked them to only communicate by mail. They had my most recent address and my previous address and my current address. They sent a court order to a XXXX XXXX XXXX address whose occupants I was not in contact with. After garnishment was started and research was done I found out where the paperwork went. The court records were researched to find what was being filed against me. This company received {$2000.00} for a debt that has yet to be clarified for exact amounts. And, the debt release was received in XX/XX/XXXX and they still have not refunded the total amount of overage in 5 months The court clerk was contacted for copy of original documents and it has different monetary amounts from what I was told on the phone was the debt owed. {$510.00} is still outstanding and these are checks that were supposedly mailed back to my employer in XX/XX/XXXX. I have dates, names and times I tried to clarify this issue starting in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX I had submitted an extended equifax data breach settlement claim that included 9 pages of information that I had continued to gather when time permitted. I had identity theft for my XXXX income taxes and someone filed my taxes under my name and received my refund. This was a whole long process to go through with countless hours of verifying my identity with the IRS via phone calls and letters from the IRS. Problems with trying to unfreeze my credit with XXXX and Equifax when applying for a mortgage. In XXXX of XXXX I was scammed out of {$5000.00} from my checking account due to a credit repair company who I had given my information to not knowing it was a scam. The bank did not reimburse me. Most of the transactions were in XXXX the bank told me. My total losses were {$9200.00} which included time spent and the money I was scammed out of my bank account. I had attached all of this information to my equifax claim so it was easy to understand. Equifax had sent me a {$14.00} check two different times when I had started my claim in XXXX due to inaccuracies on my report, but I was not finished with my claim. It took me a long time. The only response from Equifax is them emailing me saying I would have to prove it was from the equifax data breach and they will happily reissue my check for {$14.00}. My name is under the search bar on equifax site showing I was part of the breach. 

I would sincerely appreciate any help you can assist me with regarding this matter. Feel free to contact me if you have any questions. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
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 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 2023-11-23
Company: EQUIFAX, INC.
State: CA
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/, I filed a travel cancellation/interruption claim for {$450.00} with respect to my Chase Sapphire Reserve credit card. In confirmation, Chase card benefit services assigned claim number XXXX. We had to cancel a bed and breakfast reservation in XXXX on XX/XX/ outside of the permitted cancellation window of the establishment because of XXXX for my XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I contemporaneously uploaded and submitted supporting documentation at the time I submitted the claim. 
I received no further communication from Chase. On the website my claim remained in " pending '' status. On or about XXXX XXXX XXXX I called Chase to inquire of the status. I spoke with XXXX XXXX XXXX who indicated he was in a call center in the XXXX. He indicated I would receive a written communication the next day from Chase describing further documentation I would need to submit in support of the claim. I received no such communication, and the website does not appear to describe any such further necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit 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:
I applied for an Apple Card but was initially denied. I was then offered to start on the path to the Apple Card program through Goldman Sachs. I completed the program and applied for the Apple Card and was accepted. The first time I tried to use the card was in XXXX to make a purchase and it was denied. I contacted the company and the only thing they would tell me is that my account was under a restriction and that someone would be in touch with me. I tried contacting them again a couple of months later and was told the same thing. I looked at my wallet app on the XXXX and it still says the same thing. I remember hearing in the news about a month or so ago that Goldman Sachs is trying to offload the Apple Card to another company. I have read on the internet that a lot of people have had this problem with no resolution ever happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
I purchased a vehicle in XXXX of XXXX Santander finance it. I put down XXXX in XXXX the motor went pripr to that i had spent over XXXX in repairing it. Once the motor locked i ask them to come puck ut up because u couldn't pay on a tore up car plus try to get another car. They claim they auctoned the car off and still say i owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: Torriere Holdings INC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX, on behalf of CreditFresh, sent a text to my ex husband, trying to reach me. I did not authorize this contact, nor for them to disclose that I had a debt, let alone one in collections. I dont know how they got his information, but seeing as I had a restraining order against my ex for most of XXXX, I would have never used him as a reference on this loan. They sent him a collections text, disclosing my name, the reference number of my case, gave him a mini-Miranda, and I am appalled. This has caused me embarrassment and emotional stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Synerprise Consulting Services, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started receiving calls in the summer of XXXX for a XXXX XXXXXXXX  bill from a XXXX  I had in XXXX of XXXX. I was never sent the disputed bill ( {$920.00} ) and had paid all of the other bills related to this surgery. I asked the callers almost every time to send me proof of debt and they always refused, claiming I should have already have received a bill. I submitted a written request for proof of debt to the company through their on line consumer help website on XX/XX/XXXX. When I continued to receive calls about this disputed debt, I submitted a second on-line request on their consumer help portal on XX/XX/XXXX. I also mailed them a request for proof of debt on XX/XX/XXXX. I have had no reply to date, and I received a call from this debt collector on XX/XX/XXXX at approximately XXXX XXXX  ( XXXX ) from the number XXXX. I told the caller that their company was in violation of the Fair Debt Collection Act and that they had never sent me proof of debt. The caller then hung up on me without further comment. 

The company address is as follows : SCS Synerprise Consulting Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation