BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: Sequium Asset Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt reported on XX/XX/22 by XXXX & XXXX XXXX  in the amount of {$1500.00}. This debt has no association to me by phone number or social security number on account, Have tried to find out directly at a local XXXX XXXX XXXX  store as well as multiple phone conversations with XXXX XXXX XXXX. Neither could provide any information connecting my ss # to this debt. Was advised by their customer service to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Dear Consumer Finance Protection Bureau, I am writing to dispute the actions of American Express regarding my accounts. I have a Business Gold card with the account number XXXX, a Personal Platinum Card with the account number XXXX, and an XXXX XXXX XXXX Card with the account number XXXX. 

Recently, American Express has been threatening to harm my personal credit because I can not make a payment in full of almost {$4000.00} at one time on my Business Gold card. I strongly believe that business and personal matters should not be mixed, and American Express is violating this principle by threatening to harm my personal credit. 

I would also like to bring to your attention that my Personal Platinum Card and XXXX XXXX XXXX XXXX are both up to date on payments. However, American Express has suspended all usage on every card, including my Business Gold and Personal Platinum Cards, simply because I can not afford to make the payments on the Business Gold Card. This is completely unfair and unreasonable. 

To make matters worse, American Express has threatened to report my Personal Platinum Card as late because of a separate card, even though I have a current and up-to-date payment history on it. This action is unacceptable and I believe it is not legal. 

I am willing to make arrangements to pay down my debt on the Business Gold Card, but due to my recent divorce, I have found myself in a rough patch and a financial bind. I kindly request that you look further into this issue and prevent American Express from taking any unfair and illegal actions against me. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$780.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Balance Owed : {$1200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance Owed : {$9300.00} ; XXXX XXXX  XXXX XXXX Owed : {$2200.00} ; 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 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 2023-09-19
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my checking account onXX/XX/XXXX on XXXX XXXX XXXX XXXX branch with the representative XXXX XXXX. 
On the same day that my account was opened my online banking was locked. I sent several emails to the representative without geting any answer and also called customer service but because I dont have the debit card they cant verify me. 
Is a loop that doesnt have a solution. I have a VPN on my phone for security company reasons ( from XXXX ) so maybe thats why was locked.

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 2023-03-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
XXXX, XX/XX/XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ny XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately : Account Name : XXXX  Account Number : XXXX Reason : Account is fraudulent Please respond to me with an updated copy of my credit report once these accounts have been removed. 
Thank you, 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
Consumer complaint received 2022-11-17
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 belongs to someone else

Complaint:
This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: Debt Recovery Solutions, LLC
State: SC
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 went to check my XXXX account and see a company named DRS that added itself to my credit report I opened the account and see its from a old debt named XXXX i haven't received and letters or any emails from the company in XXXX  and now this is on my credit report without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: TX
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:
showing inaccurate information just want a free report to see the issues for sure company not willing to send me my free credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: FL
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$19000.00} ; XXXX XXXX XXXX : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NC
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:
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.

has violated my rights. Or list of inquiries 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 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 2019-09-16
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is JEFFERSON CAPITAL SYSTEMS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, JEFFERSON CAPITAL SYSTEMS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) JEFFERSON CAPITAL SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationJEFFERSON CAPITAL SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where JEFFERSON CAPITAL SYSTEMS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.JEFFERSON CAPITAL SYSTEMS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NY
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:
See document attached

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 2023-07-06
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I had a phone call from someone claiming to be a technician from XXXX internet provider, they said that my IP address and other personal information had been hacked and stolen and they said they would help me to clean up the infected internet equipment including my pc they also claimed that my personal banking details may have been compromised and hacked. they connected to my computer vis any desk and after I securely logged in to my bank account, they kept distracting me so that the could steal and transfer my money from my bank into my wise.com account. 
my PC screen kept going blank so I was not able to see or know what actions they were doing on my pc, they stole more than 3000 from 2 of my bank account. then transferred the money into a bank account in XXXX. 
I still have the name of the account holder and their account details, in order to recover the money and to get their account frozen and to investigate them. 

Wise.com failed to take the necessary precautions in order to protect my money by allowing XXXX transfers to be sent and received all on the same day. they finally rejected XXXX transactions of XXXX but by this time it was already to late. XXXX have behaved are guilty of negligence and treating my account and money in an irresponsible way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I noticed a fraudulent inquire on my credit report that I did not authorize.

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 2019-04-30
Company: Rocket Mortgage, LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am an existing client of Quicken Loans. In late XX/XX/2019, I was interested in acquiring a 2nd home and applied for pre-approval letter to get the process rolling. Spoke with loan officer, XXXX, originally, and stated I was interested in $ XXXX - $ XXXX. All was good. I was switched to a VIP Exec Mortgage Banker, XXXX XXXX and on XX/XX/2019 received a pre-approval letter stating approved for up to $ XXXX good through XX/XX/2019. I spoke with him on several occasions as I was unsure of what property I wanted to purchase wanting to keep options open. I was clear that I was looking in the {$50.00} - XXXX range. On XX/XX/XXXX, I sent a listing to him for a home for {$56000.00} asking for thoughts and value review. We then had a phone conversation where he stated they can't loan under essentially $ XXXX as fees can't exceed 5 % of loan and with certain 'flat fees ' the 5 % would be exceeded. Therefore, they couldn't write the mortgage. I was looking at other financing arrangements, simultaneously, but hadn't determined I wouldn't use Quicken if I chose a different property. The next thing I received was an email to review an updated notice on their website. I opened it to learn I had been rejected and several items pointed out on my credit report. Although, a new report had not been pulled and nothing had changed. I was shocked. I sent an email request to their customer service asking for an explanation of why I wasn't informed up front that they don't lend under $ XXXX and fees can't exceed 5 % and requested a breakdown of the " flat fees ''. A resolution advocate, XXXX XXXX, contacted me by phone stating I could call to dicuss. We, literally, played phone tag for almost a month. Yesterday, I reached my limit of patience and left her a voice mail stating I didn't need to discuss, I simply wanted a document stating the $ XXXX AND 5 % FEE confirmation. I received an email from her stating that are not able to provide what I was asking for. My concern is are they trying to up-sell and when I wasn't interested then they weren't interested in the small mortgage and created this excuse? Is it possible since I'm now a senior citizen, they are not interested and looked for a reason to deny a mortgage? I'd been fine if they had stated upfront $ XXXX XXXX is too small and I'd moved on. They kept me tied up for over 2 months, I missed some market opportunities and spent a considerable amount of time collecting the required documents and uploading to their website. They talked about once doing business with them it would be much easier in the future. I have a paid mortgage and a current 1 with them. I strongly question how this was either ethical or legal that this transaction was handled in such a fashion and it certainly wasn't easier. Thank you for your time and consideration. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To Whom It may concern, My credit card account was charged off by the credit company. I never received any monthly statements as the credit company had sent those to a wrong address. When I opened the account with this company, the staff verified my driver 's license, so, they should not make this mistake. Please see the follows for details. 

1. I opened an account of TJX Rewards Master card with XXXX XXXX on XX/XX/2017 after I purchased something about {$50.00} at a XXXX XXXX store. 

2. I never received any monthly payment statements after. 

3. I learned this credit card was charged off on XX/XX/2017 from XXXX XXXX. 

4. Then, I started to call XXXX XXXX to fix the problem. The Customer Service representative and manager, XXXX, could not help me over the phone and gave me a XXXX XXXX. XXXX  of the company, XXXX. XXXX   XXXX, XXXX, FL XXXX and asked me to write a letter to them. I wrote a letter to ask why my account was charged off. XXXX XXXX sent me back a letter, stating, " there are no delinquencies reported in the credit history of your Gap Visa Card account ". In my letter, I clearly stated it was for my TJX credit card. 

5. After I started to receive letters from XXXX at my new address, I learned that this account was sold to XXXX XXXX XXXX, XXXX on XX/XX/2017 ( I move to a new address from XX/XX/2017 ) 6. I filed a dispute. Then, I received a package from XXXX XXXX XXXX, XXXX to inform me their investigation result that they did the correct thing to my account. The package included two payment statements. In the two statements, it is clearly showed that XXXX XXXX had sent the monthly statements to a wrong address which I never lived there. They also wrote my last name wrongly in the statements. It could explain why I never received those statements. 

7. After this account was charged off, my credit scores were lowered to XXXX from above XXXX ; XXXX  XXXX   card lowered my credit line to {$200.00} ; XXXX XXXX Credit card lowered my credit line to {$300.00} ; XXXX XXXX XXXX, XXXX announced I owe them {$310.00}.

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 non-monetary relief
Consumer complaint received 2023-01-19
Company: SYNCHRONY FINANCIAL
State: NY
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:
I went to use my Sam 's Club Synchrony XXXX XXXX Mastercard and it declined. I called Synchrony and they closed my card without warning or explanation. They said it was due to a score drop. My score increased XXXX points since opening the card! I have a XXXX XXXX XXXX! XXXX and behold Synchrony closed : -Sams Club Mastercard -PayPal Mastercard -Lowes credit card -Care credit card -Synchrony Mastercard. 

They closed XXXX of my credit cards overnight with XXXX warning. All cards NEVER carried a balance, NEVER a dime in interest and always paid in full and on time. I am a XXXX  customer. They closed XXXX cards at the tune of {$60000.00} in available credit. I am filing my complaint against Synchrony due to their shady business practices. I am appalled and devastated. I worked very very hard to get my credit to where it is and these crooks are destroying that. 

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 2019-07-09
Company: CORELOGIC INC
State: WA
Product: Credit reporting, credit repair services, 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:
CORELOGIC CREDCO LLC hard inquired my credit report that I do not recognize or authorize. I called the number mentioned in the report to enquire about the same but they are asking my credit card number to validate my identity which I feel not legitimate. 

Below is the information that I found on experian account, please check and help me on this. 






CORELOGIC CREDCO LLC Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX. This inquiry is scheduled to continue on record until XX/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