BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im XXXX my wallet was lost or stolen. In XXXX I found multiple accounts on my credit that were not mine. I resided in XXXX Texas at the time and filed a police report and a complaint with the FTC and forwarded the documents to the credit bureaus. Equifax and XXXX have both refused to remove the fraudulent accounts. In early XXXX I started receiving alerts that my social security number was found on the dark web. I contacted XXXX and Equifax again to notify them of this and again they failed to protect me as a consumer and by placing a fraud alert on my credit profile and removing the accounts. The XXXX POLICE DEPARTMENT POLICE REPORT NUMBER IS XXXX this report was filed in XXXX and provided to both Equifax & XXXX at that time Ive attached all of the paper trail for this for review and below each account is listed that does not belong to me and is a result of identity theft. 


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

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

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} Closed Below are the credit inquiries that do not belong to me! 

XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX These are showing on XXXX and XXXX credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: WA
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:
None of my accounts wit equifax are correct, they either show past due balances or incorrect balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I lost my Chase Credit card a few months ago and got a replacement. 
In the last credit card statement I found a transaction ( {$140.00} on XX/XX/22 ) paid to XXXX ( XXXX XXXX XXXX XXXX XXXX ) which I never authorized or expected. 
I called Chase immediately and filed a dispute. They made a temporarycredit back to my account. When I called XXXX they said that I entered the creditcard info manually and thus can not give me a refund.Here 's what happened. Last year I used the previously lost card to pay for the XXXX service for the organization that I volunteered for. And my successor ( XXXX XXXX in XXXX, XXXX ) changed the billing method to the organization 's XXXX account. But XXXX did not accept the XXXX and instead came after me. XXXX acquired my newcredit card information ILLEGALLY and charged the auto-renewalfee to mynew credit card thatI neverprovided.Chase is saying that the company will never release the new card info to a vendor. XXXX is saying I must have changed it myself or agreed to Chase to surrender my replacement card to any vendor who requested it.Even though XXXX cancelled thesubscriptionservice on the account, the company refused to take my credit card off and threatened me that the same card will be used if the organization wants to reactivate their service. 

I think Chase gave my new credit card info to XXXX and XXXX charged the yearly fee on it.The problem is that1. None of this happened with my consent.2. XXXX still refuses that they stole my credit card info. They are insistingthat I did it manually for the organization that I haven't worked for over a year! 3. XXXX is refusing to give me a full refund,4. XXXX is threatening me to cancel my dispute claim to Chase saying otherwise they won't take my credit card off their billing system. 
I'm a school teacher simply going about my work and not having to worry about this kind of wrongful business practice. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: VA
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 2023-08-22
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 Fair Credit Reporting Act Us bankruptcy tn account reference number XXXX has violated my rights. 
15 U.S.C 1681section 602. A. states I have the right to privacy.

15 U.S.C 1681 section 604. A. It also states consumer Reporting Agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: MD
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING INQUIRIES ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in XXXX XXXX for approximately XXXX  years as a result of me losing my job due to XXXX. I recently came out of Chapter XXXX due to the death of my son in XXXX of XXXX. I was on XXXX and was unable to make any payments during the past 6 months due to reduction in income. However I made my mortgage payment on time, but the mortgage company has me XXXX months behind post post petition, due to an internal process that is no fault of mines. The asked that I pay around XXXX a month for payments that appeared to never have been credited to my account. And they have been charging me late fees every month. I went in to my account today to ensure my banking information is correct and it states I have no access to my online account. I have not received any letters and/or statements from them indicating why I no longer have access to my account. You have to call this company multiple times for someone to answer and I have emails from employees stating the errors. At this point I am afraid to deal with them without any oversight legally. It doesn't appear they want to help anyone. As of now I have a XXXX XXXX XXXX child that my son left behind that I am now caring for and I recently went back to work. I would like assistance with obtaining a loan modification and not XXXX at a 5 % rate. Can someone please help me with speaking to someone at this company and also they need to explain why they don't send statements or letters to their customers. They placed home owners insurance on my house and I have home owners insurance. I happened to see if while I had online access. Now I don't know what they are doing and they could be further scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have been recently informed that there is negative information reported by Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account XXXX : XXXX Identity Theft Account Name : XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX This inquiry was not authorized. 
Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/2023 The following information is incorrect Address : XXXX XXXX XXXX XXXX XXXX MD XXXX The following information is incorrect XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity XXXX Account Name : XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX This inquiry was not authorized. 
Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/2023 The following information is incorrect Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX The following information is incorrect Address : XXXX XXXX, MD XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account XXXX : XXXX Identity Theft Account Name : XXXX Account Number XXXX XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt that is being reported by Trident Asset Management XXXX XXXX XXXX XXXX is not a valid debt. 

A woman was going door to door selling electrical service for XXXX XXXX. The woman quoted me a rate that was substantially lower than my current electricity provider, so I agreed to switch providers. I received the contract from XXXX XXXX and it was substantially higher than I was quoted. I immediately called XXXX XXXX and cancelled the new contract and rescinded my authorization to switch providers because the rates I was quoted were not honored. My electric service was never switched. 

I then received a bill from XXXX XXXX for {$79.00}. I called XXXX XXXX and explained that I would not pay this bill, I was given false information in an effort to get me to transfer my service, and I immediately cancelled before any changes were made. 

I was then notified by Trident Asset Management that a collection account in the amount of {$270.00} was opened with their office XX/XX/2022 for XXXX XXXX. I explained to Trident Asset Management what happened and informed them that this was not a valid debt. Trident Asset Management reported this collection account to the credit bureaus which has caused me substantial harm. I have called XXXX XXXX, Trident Asset Management, and have filed multiple disputes with the credit bureaus, but the debt is simply reported as meeting FCRA requirements. 

XXXX XXXX representative made false claims to convince me to switch my electric service. As soon as I discovered this misrepresentation I acted. No service was ever changed, this is not a valid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid 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:
Hello, I have a XXXX XXXX XXXX XXXX XXXX  and I am supposed to earn 5 XXXX XXXX XXXX  for each dollar spent at XXXX hotels ( please see the first page of the attached document ). 
Unfortunately, Barclay has transferred only 2 points for each dollar spent at Choice hotels ( please see the second and third pages of the attached document ). 
I called the Barclay customer service numerous times to no avail. On XX/XX/2022, I was given the case number XXXX. After several calls, I was given another case number, XXXX. Yet, Ive never got the missing points. Instead, Barkley send me two letters, claiming that additional information is needed, and we were unable to reach you ( please see the fourth and fifth pages of the attached document ). I called customer service after receiving each letter, but they were unable to tell me what information was missing. 
Please help me solve this issue. 
Thank you, 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
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
My wife and I have been in the process of getting a home loan. We were told that I'm not showing enough credit due to no credit card showing on the credit score disclosure. When I check myself, I am seeing that I can not get a credit score. I do have a credit card with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX, AL. Out of the XXXX different credit bureaus, the only one showing that I have an open credit card account is the TransUnion company. However, it's still not giving me a credit score. I called my bank to see if they are reporting to all credit bureaus and was told that they were. I feel there must be some sort of error in the system that no one is catching. I was told over XXXX years ago that this was a problem and I just assumed it was because of the pandemic and I wasn't spending a lot of money. However, to be told this again, I know there is something wrong with my credit being reported from this bank. I've had this credit card XXXX years and the fact that its not reporting to all the credit bureau is concerning to 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 non-monetary relief
Consumer complaint received 2023-08-01
Company: Stellantis Financial Services US Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023, I went to finance an auto at a dealership. I was already pre-approved from a certain lender ; however, the dealership ran my application to other lenders. Stellantis Financial Services , Inc. was one of them. Bank XXXX XXXX immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. XXXX provided emergency medical services to me on or about XX/XX/XXXX at XXXX XXXX XXXX in XXXX, Illinois. 
2. At the time of services rendered, I was insured by a healthcare plan administered by XXXX XXXX XXXX XXXX. 
3. I submitted his insurance information to XXXX XXXX XXXX via its patient portal on or about XX/XX/XXXX. 
4. XXXX never sent a bill to me for services rendered, nor did XXXX file a claim with XXXX XXXX , XXXX. 
5. XXXX, having access to my valid insurance information and in its failure to make a good faith attempt to file a claim with XXXX XXXX XXXX XXXX, placed a bill for the amount of {$970.00} for collection with HRRG on or about XX/XX/XXXX. 
6. In an attempt to collect a debt, XXXX and HRRG have refused to comply with requests to validate indebtedness by providing detailed information related to the services rendered by XXXX and its management of a claim with XXXX XXXX XXXX XXXX. 
7. The latest attempt to verify the debt occurred on or about XX/XX/XXXX, wherein I received a letter from HRRG which briefly and simply stated the debt had been validated with their client, providing no further detail. 
8. The acts of XXXX and HRRG as alleged above, were done and performed wantonly, willfully, and maliciously, in total disregard of my rights. 
9. The aforesaid actions of Defendants were in gross violation of the federal Fair Debt Collection Practices Act ( 15 U.S.C. 1692, et seq. ) 10. The aforesaid representations made by HRRG to me were fraudulent, in that XXXX never attempted to bill me for services, never attempted to file a claim under my healthcare plan administered by XXXX XXXX XXXX XXXX, HRRG and XXXX never made a good faith attempt to validate the alleged indebtedness even after they were informed of their error by 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 2022-05-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was booking a flight on JetBlue and when I went to pay, I received an offer to open a JetBlue credit card through Barclays and if I spent {$1000.00} within 90 days on the card they would give me XXXX frequent flyer points. I did what was described and only received XXXX points. I called Barclays, and they said only JetBlue could fix this. I contacted JetBlue, and they said only Barclays can fix this. I have not gotten additional points, and even if I do eventually, this is still fraudulent advertising. I shouldn't have to reach out for them to fix this, and I'm sure other people won't reach out, or perhaps even notice. When I was on the flight I booked, flight attendants came down the aisle with a brochure offering XXXX points if you open an account and I thought, " I don't need that, I already did that. '' How can they be held accountable?

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