BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX CARD SER with ACCT # XXXX opened on XX/XX/2018 with a balance of {$11000.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$36000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Payward Ventures Inc. dba Kraken
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I have been a victim of an online scam. I need you help to bring them to justice. This person XXXX XXXX XXXX ) new name is ( XXXX XXXX XXXX contacted me through social media had me use XXXX ( XXXX ) to chat. She told me that I could make money through an investment platform called XXXX. Which was probably a fake website. She slowly built my confidence up using the platform to show me it worked and then she put a lot of pressure on me to take out several loans and use my personal savings of ( {$100000.00} ), I also took money out of my 401K ( {$110000.00} ). I put the money into the XXXX system. They made believe that I had made a bunch of money on the platform ( {$800000.00} ). When I tried to withdraw the money they would not let me. They said I had to pay taxes on the money I made. Please help me recover my money. She used these Apps to take my money and put it in XXXX. XXXX XXXX App ( XXXX ). and XXXX XXXX ( XXXX ). The bank they used was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX. Account Name Payward Ventures , Inc. Account number XXXX, routing XXXX with a reference number of XXXX. 
Sincerely, 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 2020-12-04
Company: EQUIFAX, INC.
State: MO
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:
I asked the three major credit bureaus to verify info and delete. All three credit bureaus, XXXX, XXXX, Equifax have yet to verify accounts and still haven't deleted the items from my reports. They have broken the law and I would like the incorrect info removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: M&T BANK CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX has my rights 15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Sections 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose

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 2019-07-08
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased two items from amazon.com store-card via Synchrony Bank and returned the items for a refund per their agreement to the terms. 

I submitted the receipt and the items via their return label. The items were charged to my credit account. I sent the receipt that the items were returned and though they " continue '' to state they would refund my purchases since XX/XX/2019 they have refuse to respond and reimburse my account. 

On page 2 of 3 I have highlighted the charges that cleared, their return receipt via USPS with tracking numbers ( verifying they were returned ), per their instructions. To date they have completely avoided my calls, email and requests for refund on three separate occasions. 

Charges was for {$29.00} for one item and {$63.00} for the other. I am requesting they reimburse my amazon account immediately.

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 2020-07-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
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 XXXX contacted my husband whom I was not married to at the time that I had the credit card. I have paid this debt and it is over 10 years old. I have repeatedly told them this over an over. They are threatening me to come to my job and they are verbally abusive on the phone. 
I have told them over and over that this was taken care of years ago and now they are harassing my husband who I've only been married to for less then a year. They repeatedly call and make accusations. 
I am tired of trying to be nice with rude, disrespectful, XXXX ppl who yell and cuss at me. 
Please stop call me I have told them if they think its mine to send it to me in the mail but to not call me anymore. Yet, they call from multiple numbers and it's the same thing over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously disputed these account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, Here are the accounts that I'm talking about : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Call the company back in XXXX about this loan in which I have taken this loan out in XXXX. I only borrow XXXX in which I was paying like XXXX or more per month for at least 2 yrs. I feel that each and every time I make a payment it does not appear that this loan is ever going away. I just check on the dashboard and shows that I still owed XXXX which is ridiculous. I have try to call the toll free number and it appears that it's a bogus number not able to reach a lived person or speak to them about this outrageous loan that I have gotten myself into in the first place. I want the payment to cease immediately for I am out of work and can not afford this extra expense at this time. When calling the local office I will get the same answers that this is what you owed. I seen where they were sued and fined for 9 million dollars for this unscrupulous practice. It seen that they not learned anything from this action against consumers. I just want to my title back to my vehicle and not owe them anything else. 2 years should be enough for I have paid over the amount that I borrowed from this company. 

XXXX XXXX XXXX XXXX : XXXX {$72.00} Amount to renew today Payment due date XX/XX/XXXX Pay-off amount {$560.00} Originated on XX/XX/XXXX {$560.00} Access Documents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
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:
These 2 accounts & 2 inquiries are not mine : XXXX XXXX : {$2100.00} - XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX : {$1900.00} - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/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 2020-12-22
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: Old information reappears or never goes away

Complaint:
On XX/XX/2020, I contacted XXXX XXXX account ( XXXX ) I don't have an account with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have just noticed a Collection on my credit report from this merchant for {$170.00} that I do not owe. 

Also, they have illegally obtained my Social Security Number and accessed my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Hello This complaint is against the three credit reporting companies. XXXX, XXXX XXXX and equifax. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified the three credit agencies previously stated with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX  XXXX XXXX. 
The response from XXXX  and Equifax was that it was verified through their third partner XXXX. That can not be correct because I have a Freeze on my XXXX XXXX account since XXXX. which no one can obtain my report for anything until I unfreeze it. 
I wrote XXXX  and Equifax a second letter and mailed them on XX/XX/2019 telling them that they have lied when they said that they verified the two accounts in question using XXXX because I have a freeze on my account and when I called XXXX on XXXX XXXX they stated that no one has requested or attempted access to my account this year. I told them that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Only XXXX wrote back a letter dated XX/XX/2019 stating that XXXX verified the accounts and that I should talk to them if I have a complaint. 

XXXX XXXX never responded to my letter dated XXXX XXXX to verifiy the two accounts in question since and the 30 plus days to investigate my claim has been expired. When I Checked my Credit report with XX/XX/XXXX, It states that they too uses XXXX to verify the two accounts in question. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

Please investigate these compnaies because what they are doing is wrong. They are using a third party that gives wrong information and attach it to your account and then tell you to fight them to get it corrected. No I dont have to fight because XX/XX/XXXX, Equifax and XXXX XXXX all lied and said that XXXX verified and account which is impossible because my account with them is FROZEN and no one can access it but I. I demand that these items on my account that was not verified be removed from my account because they are in violation of my rights and not to mention, XXXX XXXX did not even respond to my investigation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years. variations of my name and misspelling the correct spelling is. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete the following addresses : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 notified the company on XX/XX/XXXX of the unlawful reporting on my consumer report and violations made against me on their behalf. I wrote to them via a written letter with a notarized affidavit attached. The company has not complied to any of the demands, and has not furnished any type of accurate proof that I gave them written permission to furnish said information ( which I DID NOT ). They also have not furnished any proof of any ORIGINAL documents of said information reported on my account and have not responded in kind with an affidavit of their own. 

My livelihood is being impacted by this unlawful reporting, and I demand that they are held accountable for their actions. 

They are in violation of 15 USC 1681b - permissible purpose of consumer reports, THAT CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I HAVE NOT GIVEN THEM PERMISSION TO FURNISH ANY INFORMATION. 

They are also in violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681 s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AS WELL AS 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy CFPB, is it not your responsibility to hold these credit reporting agencies to the law set forth by Congress?? XXXX These are my RIGHTS being infringed upon, and it is negatively affecting my life. This is absolutely unacceptable!

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 2019-07-08
Company: Experian Information Solutions 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:
XXXX XXXX XXXXXXXX Credit Card XXXX is showing on my credit report and negatively impacting me, this is not my account this must be my fathers account because we have similar names and lives at the same address. I have never had a XXXX XXXX XXXXXXXX credit card.

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 2020-07-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went on furlough from the state of Louisiana XXXX XXXX XXXX XXXX in XXXX XXXX, La on XX/XX/2020. I completed my modification of {$910.00} on XX/XX/2020. My new modification became {$900.00} which is not much different ( XXXX ). I asked for assistance in XXXX and was told I " had to complete my loan modification trial period. '' I struggled to make the payments esp being on furlough. After I completed my last modification payment I called and asked for assistance. Carrington took my application. Mailed me a letter stating I was granted 60 days. A payment of XXXX ( my new mod amount ) I received a phone a WEEK later call from the mortgage company, tell me my I was granted 60 days. Ok, I paid THIS month so XXXX {$900.00}, therefore, XXXX and XXXX have been forbearance? No stated the rep. Effective date XX/XX/XXXX! 
Pretty I get a month break.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation