BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
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 account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express charged me for additional cards on my account. On XXXX XXXX, I attempted to access my account to set limits for one of my additional card holders so they could use their card, and was unable to do so. 

I called American Express and they were also unable to set a limit which would allow me to actually use the card. They are also refusing to issue a refund for the fee that they charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Using the XXXX Cash app, I accidentally sent money to the wrong user. I contacted XXXX about the issue, and they offered me no recourse because the payment was " instant ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: EQUIFAX, INC.
State: AZ
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 have disputed this collection on this XXXX XXXX XXXX XXXX  XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$5000.00}, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5100.00}, XXXX  Original creditor XXXX  XXXX XXXX  : {$18000.00}, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 received a summons and complaint served to me on XX/XX/XXXX. I went to see an attorney and showed him the paperwork and informed that I never opened up any credit cards. He helped me answer the summons and we asked for verification of the debt they alleged I owe. First off the company that served me was a collection agency called XXXX XXXX. The company sent me what they claimed to be verification. I received an electronic billing statement that contained my name, address, and a partial account number. When they filed suit they did not attach the original contract from the credit card company which is required by law and called the attachment rule. XXXX XXXX also sent me an affidavit which states they bought a pool of charge offs, nothing specific to me. Also the bill of sale affidavit was not based on personal knowledge it was based on computerized books and records and not attached to the affidavit. I took everything to my attorney and we were prepared to request a jury trial. When I went to submit my request, I was informed that XXXX XXXX attorneys requested a dismissal without prejudice. They never even informed me. 

I called XXXX and informed this very nice representative everything that I stated above. She helped me to place a fraud alert on my files and helped me to dispute all the other accounts that XXXX had illegally placed on my credit file. The company is a fraud and should be blocked from placing these bogus collections on credit reports. The information that they report back to the credit bureaus is inaccurate and misleading and they are purposely destroying consumers credit. Well I am here to expose their wrongdoings and their I unwillingness to request removal of these items they know they are not able to properly validate. When an item is disputed with this collection agency they send the same generic letter which validated NOTHING, then they electronically report back to the bureaus that their information is accurate when it is not. Please see every letter attached and proof that this company is a FRAUD and is non complaint with the law and refuses to follow the rules and laws outlined by the FDCRA.

I also will be taking them back to court for damages to my credit report and their refusal to remove their accounts from my credit reports.

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 2020-07-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting charged a late fee even though I pay every single month on an automatic payment on my cancelled credit card. I have spoken to amex 3 times and all they do is credit the month I complained in and keep charging me a late fee anyway. This has been going on since 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Public record information inaccurate

Complaint:
To whom it may concern : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights.The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Specialized Loan Servicing Holdings LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for a short sale multiple times. Each time, the servicer has advised they " didn't get to our request '' until the very last day their timelines allow, and they declined our application for missing documents that we were never notified of. This has happened twice so far, and each time the " missing document '' is something that does not apply to us. I have received no missing document letters and my real estate professionals who call in repeatedly are told that there are no additional documents needed, until the very last day they are told something that wasn't requested is missing and there isn't enough time to request it, so they have to just decline our application and we have to start over. The first time, SLS advised the missing document they failed to tell us about was a letter of damages to the property, of which we were never previously asked for. The second time, they advised the missing documents were pay stubs, despite the fact that we do not hold employment. My real estate agent 's office was told on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX that we had no missing documents for our short sale. Then, abruptly, on XXXX we were told that the processor had just determined later on XXXX that we were missing pay stubs and the file had to be immediately declined because they ran out of time to let us know. Again, there are no pay stubs to provide as we are unemployed. Our file was declined unjustly and in error for SLS to cover up their own short comings on the time it is taking them to review loss mitigation requests.

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 2018-05-24
Company: SANTANDER BANCORP
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon I have my mortgage with XXXX XXXX XXXX in XXXX XXXX XXXX XXXX. Since last year I been asking the for my Billing Statement and they refuse to send me the document instead the continue send me a regular payment book, This is not providing me with the information require by Billing statement Act. Today I call again and spoke with the servicing manager XXXX XXXX and she told me that they are not obligate to send this document they are sending this document only to the clients with direct payments. they have more than 2,500 loan on servicing and refuse to comply with the Billing Statement establish on XX/XX/2014. My Loan number is XXXX and my full name is XXXX XXXX. My phone number is XXXX I appreciates your help on this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: BARCLAYS BANK DELAWARE
State: OH
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 made a purchase from XXXX and open a credit card offered on their site. The order was incorrect, incomplete so XXXX sent prepaid return label. Therefore, this account should be XXXX until the items are repurchased. The new purchase is scheduled to take place XX/XX/2019 when the XXXX XXXX agent call me to correct and place a new order.

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 2021-07-01
Company: I.C. System, 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 status incorrect

Complaint:
IC Systems is reporting a debt on my account that I do not owe. They are claiming I owe a balance for XXXX XXXX XXXX unreturned equipment. I sent the equipment back! I have attached the ticket below stating that the equipment has been returned. I owe nothing to XXXX XXXX XXXX and they need to remove this.

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 2019-11-06
Company: PNC Bank N.A.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently tried to close my escrow account with my new mortgage provider PNC Bank because they want to raise my escrow payment over $ XXXX/mo because they keep a 2 month " cushion '' as opposed to just 1 month which is all my previous provider required. They approved my request to close the escrow, but are now wanting to charge me {$530.00} for an escrow account closure fee. Their explanation for this fee is that I waived it when I originally closed on the home, 4 or 5 years ago, and now they have to charge me for it. After finally speaking to someone in the escalation dept.of PNC, they explained this fee is on my closing disclosure and an explanation is given that I am waiving it. After going over my paperwork and the closing disclosure, there is NO explanation whatsoever of an escrow cancellation fee. It is listed on there, with no amount or explanation. I have attached a copy of the escrow portion of my closing disclosure. 
Also, not one time did the customer service representatives I spoke to mention that there is, or potentially can be, a fee for cancelling escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Receivable Collection Services, LLC
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:
Please note there is a fraud account on my credit, RECEIVABLE COLLECTION. I dont know what this account is, nor did I authorize anyone to open this account. Please delete it from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: 1st Franklin Financial Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with fraud alerts or security freezes

Complaint:
unlawful use of my personal information and social sercurity number, with out my knowdlege. A hard credit inquirie was posted to my credit repoort on XX/XX/2019 via 1st Franklyn Financi XXXX XXXX XXXX XXXX, XXXX, Ga. I have not done business with this company since they ripped me and my sister off years ago. I will never again do business with this comanpy, Ive tried to handeld this my sef but I am not getting very far. I think these people are taking advantage of peopel, they have tried to take out another lone with out me knowing or even being present in that office. They have stolen my idenity and I hope this is not normal business pratices.

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 2021-11-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
1 ) .XXXX XXXX XXXX Account XXXX Balance : {$1900.00} Most be deleted 2 ) .XXXX  Account XXXX Balance : {$20000.00} ( This Account is Reporting twice ) Most be deleted 3 ) .XXXX  Account XXXX Balance : Current {$0.00} ( This Account is Reporting twice ) Most be deleted 4 ) XXXX XXXX XXXX XXXX Account XXXX Balance : {$9100.00} Most be deleted Experian is reporting these companies listed above on my credit report for almost 10 years now. I do not know these companies nor have I ever had any businesses with these companies. These companies do not have any contract with my signature or proof that they have any account on file with my name on it. Experian most Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years. By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts most be DELETED NOW.

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 2021-11-02
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I like to file a complaint against XXXX XXXX for reporting inaccurate information on my consumer reporting file. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit files I was told " XXXX XXXX has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX XXXX and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part you perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I did not authorize Fifth Third Bank to withdraw any funds. I submit a one time payment each and every month on the first of {$530.00}. Fifth Third, without my authorization, withdrew {$900.00} on XX/XX/2022, XX/XX/2022, and on XX/XX/2022. When I returned to the country and discovered the withdrawals, I notified Fifth Third and they admitted the error and on XX/XX/2022, they credited {$900.00} from the erroneous XX/XX/2022 charge. 

Fifth Third did not have any authority to withdrawal any funds from my account and did so without my consent or authorization. There are still two payments of {$900.00} that has not been returned. 

I did not authorize these withdrawals which has resulted in a financial distress situation.

Company response to consumer: Closed with explanation