BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Army and Air Force Exchange Service
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 am a victim of extreme identity theft reported, numerous times. 
A XXXX XXXX card was fraudulently opened under my identity. 
I have In multiple occasions tried to contact XXXX XXXX  to resolve this issue. 
I have been rerouted around and ignored, concerning this matter. 
This credit card was reported as bankruptcy, months prior to my attempt to file bankruptcy. 
I have public records and credit reports, reporting this fraudulent activity that is not mine. 
I was told I had know identity theft and that it was my card and my bankruptcy claim. 
This has ruined my financial wellbeing and and helped to enhance the already legal turmoil, I am enduring.

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 2023-10-13
Company: SUNRISE CREDIT SERVICES, 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:
I received an alert that my credit report was updated. I checked XXXX ( my XXXX report is fine and accurate ) and an account that I never had is now on my report re : a past due collection from earlier this year. I have been living abroad for over a year and don't have any accounts open in the US apart from my credit cards. I disputed this with XXXX but the fraudulent account wasn't removed from my credit report.

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 2023-04-21
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: Information belongs to someone else

Complaint:
After reviewing my credit report, I noticed several items and information that I did not authorize or have knowledge of. These fraudulent items must be removed from my credit report immediately, as per FCRA Section 605b. I have filed a CFPB complaint and provided the necessary documentation to support my claim. I need the following items investigated and removed from my Credit File 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 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 I want to clarify that I did not open or give authorization for these items to be listed on my credit report. As stated in FCRA Section 605B ( a ), the credit reporting agencies are required to remove any information listed on an ID theft report, and I have filed such a report with the FTC. I expect these fraudulent items to be removed from my credit report within four business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$720.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXXXXXX Balance : {$530.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: SLM CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I divorced my ex-husband in XXXX. At some point after our divorce was final, he opened a student loan with SallieMae and they included me on his loan without my consent. To this date I continue to receive collections correspondence for his account stating that I owe the money. I have contacted SallieMae multiple times regarding these letters and the loan. Every time I call them, they assure me that I am not on the loan and that they have removed me from their mailing list. 

Today I received another letter stating that his loan will be reported to my credit bureau for non payment. 

The customer identification number is XXXX. 
My ex-husband 's name is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: PA
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:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX  Dispute Department XXXX. XXXX XXXX XXXX, PA XXXX Equifax Dispute Department XXXX. XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX AFNI, INC ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX  XXXX XXXX  ACCT # - XXXX XX/XX/XXXX XXXX  XXXX ACCT # - XXXX XXXX -- XXXX MEDICAL PAYMENT ACCT # - XXXX XXXX -- XXXX MEDICAL PAYMENT ACCT # - XXXX XX/XX/XXXX XXXX/XXXX  ACCT # - XXXX XX/XX/XXXX XXXX/XXXX  ACCT # - XXXX XX/XX/XXXX XXXX/XXXX  ACCT # - XXXX XX/XX/XXXX XXXX XXXX  XXXX ACCT XXXX XXXX XXXX Requested Correction : Please update any and all information to my credit reports and, take notice I have sent all the necessary evidence to support my claim ; therefore, I expect swift result on your part. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correct any and all the item accordingly.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade  Commission. I have also enclosed a copy my state issued identification along with other personal documents that entail my name and current address. 

Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This situation involves a collection action initiated by XXXX XXXX XXXX in XXXX XXXX, Montana. Prior to referring the matter for collection, we received no bills, calls or correspondence with respect to any amounts due. Once contacted by Credit Systems, a XXXX of Centron Services , Inc, a XXXX  XXXX, I contacted XXXX directly and was advised that they had no record of any debt. I advised Credit Systems at that point in time that I disputed the debt in its entirety and requested validation. I heard nothing for some time. Approximately 6 months later, I received another demand for payment from Credit Systems. I was advised at that point in time that adverse action had already been taken against my credit. On XX/XX/2020, I submitted a Cease & Desist Letter/Demand for Validation. To date, I have received no validation of debt. Credit Systems acknowledges receiving the Cease & Desist letter on XX/XX/2020. Despite not receiving any validation from XXXX, they have continued to make collection efforts on the account and continue to report the matter adversely to my credit report. 

I have attached a copy of the Cease & Desist letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of XXXX I filed a XXXX  XXXX bankruptcy and in XXXX of XXXX I had to file a XXXX  XXXX bankruptcy due to being left with debt from a bad relationship. I contacted each of the credit bureaus and asked them to remove these 2 negative items early off my credit report since both are almost at the maximum amount of time that it can remain on my credit report. I also asked all 3 credit bureaus to remove all the late payments that related to me having to file the XXXX XXXXXXXX bankruptcy since all of them are approaching the 7 year mark. Im asking for their removal because all are scheduled to be removed throughout this current year and I would like my full credit back and I have paid the price for these mistakes for long enough. I would like to buy a house this year and these marks will cause me to pay more interest than necessary. Im also still getting declined for unsecured credit cards because of all these negative marks. I feel that my credit history over the last few years has shown that I have overcome my previous issues and its unnecessary to keep punishing me for things that happened so long ago. I dont feel that its fair to continue to punish me and hold part of my credit hostage for such old items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: MI
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 with the Fair Credit Reporting act XXXX Account # ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) reference # ( XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2020-09-22
Company: CITIBANK, N.A.
State: UT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have contacted the credit card company and the store the dispute is open with. CitiBank is refusing to talk to me over the phone to dispute. They are not disclosing information as to why I have not been credited. Citibank is refusing to credit a dispute with documented information stating a refund is owed. They are refusing to respond and are refusing to look at the claim further. I have contacted them biweekly over the last 8 months seeking a resolution. I have been hung up on constantly and been refused to speak with the team actually handling my case. This case started in XX/XX/2020 and is still in dispute XX/XX/2020. I have asked for managers and no one is letting me speak to anyone other than a customer service agent who is refusing to even waive the interest charges on a disputed item.

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 2020-09-21
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: Investigation took more than 30 days

Complaint:
i submitted a complaint to all three credit bureaus more than 30 days ago. the only company to respond back was XXXX. XXXX and Equifax failed to respond in the 30 days that they have as per FCRA guidelines. Since they have failed to follow protocol, which you, the CFPB is to enforce these guidelines, the proper actions should be taken against them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a bed from Ashley Furniture and it was left damaged at our house. I tried contacting them to tell them what happened. 
Om XX/XX/XXXX i was promised a call back in 48 hours- it still has not happened. I called back on XX/XX/XXXX and spoke with XXXX she said she would send replacement parts for the rails. 
The bed is unusable due to missing pieces. They sent screws that don't fit the bed, but nothing else. 
They will not removed the charge either. 
We can not attach the rails to the foot board or the head board.

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 2020-07-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan, when into make a payment, and was told that I could increase the amount day with just paying the fees, rather the full payment, In which I did, as I was working a full time and part time job, the part time job was used for approval as well, as I made approximately {$400.00} a week, after getting the increase, the company in which I had the part time position, which paid weekly, merged their company with another company which changed the pay structure, and because the new company was a competitor, and already had their own contractors in place, it changed my income from {$370.00} - {$400.00}. a week, to maybe {$170.00}, if I was able to get on the schedule. I was trying to make payments after being threaten before. My children have voicemails that they have received with information about filing charges, I have voicemail from ACE Cash Express as well, saying they are going to contact my employer, etc. XXXX of my children received calls today, XXXX of my daughters says the number has been calling her phone for two weeks now and she live in an different State.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: SYNCHRONY FINANCIAL
State: TN
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:
On XX/XX/2020 i received a notification from XXXX that several of my accounts had been closed. Apparently every Synchrony backed credit card that i had was closed by this company. I contacted them and they stated that I had too many accounts with them and that is why they closed all of them. There was a total of 12 accounts of which some had balances and some did not, none of them was ever paid late or default, as a matter of fact all my credit cards, loans, mortgages etc are all paid on time 100 %. I understand that per the terms and conditions of the agreement with this company that they can close any account at anytime for any reason. However given that a person has never been late or abused the credit available to simply close all of someones accounts negatively effects their credit score by messing with the utilization rate across the spectrum of their credit file. If the company was concerned about the ongoing pandemic issues and job loss and their risk, then this company could have simply just put a freeze on the accounts not allowing anymore to be charged. This process would not have effected the credit score and the ability for the consumer to maintain an active living with good credit. This is simply poor and selfish business on the part of Synchrony..

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 2020-09-21
Company: Conduent Incorporated
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Trying to activate card. The information is not correct somewhere and the card is " locked '' now so I can't activate it. When you call the number you just have to wait to go to customer service ( which I XXXX  this hack to get to customer service ). Asked her to help me and she tried to put me to automated service. When I said pleasd don't transfer me she hung up. Next lady didn't even let me say card was locked before she transferred me. This was after waiting 15 minutes each time to just talk to someone. They talk over you and are not interested at all in helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On or about XX/XX/2020, I purchased a new vehicle from XXXX XXXX XXXX, XXXX, Alabama. Purchase price of the new vehicle is {$55000.00}. My down payment is {$40000.00} and I desired to finance {$15000.00}. XXXX XXXX XXXX shopped my loan to several lending agencies of which one was BBVA, XXXX XXXX XXXX XXXX, XXXX AL, XXXX. BBVA refused to extend credit. BBVA refuses to communicate with me regarding the reasons for credit refusal. I have called four times ( Answering Machine ) requesting information regarding my credit application. BBVA will not return my requests for information regarding my loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The statements for XX/XX/XXXX have not yet been posted online for customers to view. When I called the company today, they stated the statements have not yet been created. A letter from their compliance department last month stated all statements are to be posted on the XX/XX/XXXX of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Since my other mortgage company transfer our account to this new Shell Point Mortgage has been only travel and issues with them and they are a big lairs, they are not honest at all every month for the last 6 of then i been having issue and we are tired, I hope so we transfer all my account to a new mortgage company soon or sooner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation