BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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:
This account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with XXXX XXXX. Which XXXX  claims that's where the loan was disbursed to. I have included my Identity theft report as requested by Equifax on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company that holds my mortgage has not processed my bankruptcy payments as a credit to my loan nor have they applied all of the " unapplied '' monies to my account. If this were done I would not be behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
On XXXX/XXXX/XXXX, I purchased 3 items at a total of XXXX charged to my store card. Over the next month, I returned all three items. For some reason ( I can speculate but I wont ), my return was never actually processed and the balance remained on my card. This was clearly due to an issue on their end. I returned the items in good faith and expected the account to be credited. XXXX instead wants ME to be responsible for their negligence. Of course, I did not pay the card because why should I be out of the items and my money? XXXX is not entitled to both.

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 2022-05-20
Company: JPMORGAN CHASE & CO.
State: RI
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:
Credit Inquiries on my credit report JPMCB Auto Finance XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus TransUnion, XXXX  and XXXX. It has been __ days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

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 2020-07-16
Company: EQUIFAX, INC.
State: NV
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:
Discovery and Determination of Alleged Student Loan Debt Letter and Response. 

This is notice that on or about XX/XX/XXXX, a call was placed to the XXXXS Dept of Education concerning false and or wrong information as to a debtor. The employee of the collections division wouldn't give name or name of 3rd party collections, rather made threats that this was an attempt to collect a debt and that they will determine on or by XX/XX/XXXX when they will collect money from social security benefits and such the like. 

As stated before the Claimant herein never said he didn't have a loan but stated clearly that there is and never was a consolidation. During the call with the agent of the 3rd party debt collector unknown name and address refused to give information, the agent said that this seems to be a problem between you and the Department of Education and XXXX XXXX because it was assumed that the claimant had somehow done a consolidation when clearly he did not. 

They also made mention of a hearing without a date in the future for this to take place but nothing is clear. 

The claimant paid the alleged loan off on XX/XX/XXXX via USPS mail by way of Tender of Payment act of XXXX. As such a copy of the tender of payment was mailed and delivered received by the US Treasury as all copies shall be sent to this department when a payment has been tendered. 

More over the Department of Education has listed this as a debt that was in collections and has damaged the claimants credit rating tremendously. As of XX/XX/XXXX this alleged consolidation was deleted from all three credit reporting agencies. 

On or about XX/XX/XXXX it was added back after a clear dispute of this debt and identity theft fraud was proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have filed a dispute with EquifaxXX/XX/2019 for wrong outdated infomation on my report. I have an email to check the status of the findings completed XX/XX/2019, but can not access them because a perepetual loop of services they offer are for sale deactivating or stopping my access- their website does not function.   I tried calling the number supplied XXXX  and again get stuck in a perpetual loop of sales questions.   They give me til XX/XX/2019 deadline to view their findings and I can not access  them or get ahold of anyone to help do so.  No hard copy has been offered via mail either and I worry the fate of my information is in the hands of a very corrupt operation. They have all proofs of identity needed and I was recently denied credit based on their incorrect files.  Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020, I attempted to contact Synchrony Bank to let them know my Amazon Store card had been stolen. I was not able to login to my account, and I had some trouble reaching a decent CSR. 
I was able to get the stolen card issue handled, but was not able to get any other issues handled. 
In following up with them about open issues ( Unable to login, payment applied late, late payment remark on credit report, and wrong information being used to identify me ) I was refused any kind of assistance. 
After hundreds of requests for help via phone and chat over 15 days, Synchrony bank continues to refuse to assist me, choosing instead to be rude, nasty, harassing, and often abusive.

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 2020-09-12
Company: EQUIFAX, INC.
State: CA
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:
I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the  Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the  consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: PA
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 XXXXXXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute this account several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. 
XXXXXXXX XXXX XXXXXXXX Balance : {$6700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. ProCollect Inc refused to reveal the contact details of the creditors thereby shielding me from challenging the improper business process of forwarding a debt to a debt collector without giving me the opportunity to know about the debt and to address it.

2. ProCollect Inc in enforcing a debt notice to a debtor without prior information to the debtor by a creditor is in violation of Texas Deceptive Trade Practices/Consumer Protection Act and Texas Debt Collection Act.

3. ProCollect Inc persistently contemptuously ignores the ruling of Justice XXXX XXXX on XX/XX/2017 which shows that the creditor vacated the debt in the creditors appeal to the court, and hence, the court ruling nullifying the debt.

4. ProCollect Inc refused to remove the debt from the credit records and rental history of XXXX, XXXX  and XXXX, XXXX thereby denying our family the ability to rent a new accommodation.

5. ProCollect Inc continues to cause psychological harm and damage to the growth of our child because we do not have a proper accommodation for her upbringing.

6. ProCollect Inc continues to cause damage to the reputation of XXXX, XXXX  and XXXX, XXXX  by refusing to remove the debt from our credit histories.

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 2020-12-04
Company: WELLS FARGO & COMPANY
State: NJ
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:
On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that doesn't belong to me, doing my own research and asking for some help from a friend of mine, he recommended me to to start disputing the inaccurate information, So I did. I started my journey of disputing the accounts that weren't mine On/or about XX/XX/XXXX, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus several times. On XX/XX/XXXX, I went to filed an Identity Theft Police Report just as the Credit Bureaus requested on their replies. On XX/XX/XXXX, I called WELLS FARGO regarding an account showing on my credit report that doesn't belong to me, I explained that I was a victim of Identity Theft and the account mentioned above wasn't mine, after they reviewed their file, they finally decided to send me a " Declaration of Fraud '' with a case number XXXX. This letter stating that once I filled out the paper they would send it to XXXX so they would removed the account from their file, so I filled out and faxed it over, also sent it by certified mail the next day, I was expecting that the WELL 'S FARGO account would be getting removed but the account is still showing on my XXXX  report so I decided to take the extra step, to write a complaint thru this CFPB website hopping for good results to come in next time.

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 2020-07-16
Company: SYNCHRONY FINANCIAL
State: NC
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:
The was an illegal inquiry/pull of my credit report by syncb paypal in  XX/XX/XXXX. XXXX and XXXX XXXX are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with syncb paypal or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after syncb PayPal sent letters that acknowledged this XXXX and XXXX XXXX   continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including SYNCB/PAYPAL acknowledgement of illegal account and the request to delete it from XXXX XXXX, false statements made on behalf of XXXX and fake letters they said they sent.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Multiple names, numbers, and addresses that are not associated with me. I was able to locate an open credit card with XXXX  XXXX. For a ( {$1000.00} ), the company was contacted and cancelled fraud report was filed. 

XXXX Trans Union and XXXX were notified, ant the fraud protection was communicated with. 

Nothing was completed except more harm to 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 2015-07-24
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount owed was posted twice within a 30 day period. 
I only owe them {$160.00} dollars. They posted a collection with XXXX on XXXX/XXXX/15 and then again on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: OH
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'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Also, please all parties involved in an investigations of verification. 

Here are the account that are not mine : 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 explanation
Consumer complaint received 2023-04-19
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased this netspend card at XXXX in XXXX. I added {$20.00} to the card upon purchase. I called to try and activate to use and they have not activated the card. I have given them all necessary information and they still are saying I couldnt be verified! I asked for my money back and they still have refused. This should be against the law to keep my money that I added to this card. I have called three or four times and after speaking to different departments I am transferred right back to the automated system.

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 2023-05-25
Company: EQUIFAX, INC.
State: TN
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 appreciate you making the effort to update and remove some of the data on my credit report, but there are still items that need to be fixed and deleted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2019-08-17
Company: Partners Financial Services Inc
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Every year Partners financial services goes to court to garnish my minimum wage job they are an affiliate of XXXX XXXX XXXX   school. The first court hearing i did not even have an opportunity to talk to a judge and i could not afford a lawyer. Each year they go to court without my knowledge and keep renewing their garnishment without a notice to appear or any way to fight them. I cant even get appropriate account numbers to identify them. I was not healthy enough to pass the DOT physical exam due to health issues and I weighed over 500lbs. I have been told it is a debt and i will pay said debt. They report to credit agencies that i do not pay them when they do get paid they garnish a minimum wage job. I cannot even get a car loan to get to my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation