BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: NJ
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 fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name - XXXX XXXX XXXX XXXX XXXX XXXX  Account name - XXXX XXXX XXXX XXXX XXXX XXXX  Account name - XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
On XX/XX/XXXX, I called Capital Chrysler to ask if Capital Chrysler has received my pay off amount for my car loan. The gentleman indicated that I had a refund due back to me for overpayment of {$390.00}. The gentleman indicated that I needed to send a picture of my social security card in an email to help XXXX to receive the refund. He indicated that if I didn't send the email, I would receive my refund check the first week of XXXX. Then I called Capital Chrysler on XX/XX/2021 asking for the status of my refund check. The gentleman indicated that a check was sent on XX/XX/2021. Then I asked to speak to the manager because of the conflicting stories. So then I spoke with gentleman, badge # XXXX who indicated that a check was mailed out on XX/XX/2021 so this is another conflicting date as to when the check was sent. I would like this to be resolved so that I can receive my refund of {$390.00}. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: LA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : )  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
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: Old information reappears or never goes away

Complaint:
In accordance with the fair credit reporting act : account # XXXX has violated my rights as a consumer. 
15 u.s.c 1681 section 602a. States I have the right to privacy.

15 u.s.c 1681 section 604a section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1666 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2021-09-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing told us on XX/XX/2021 to submit an application for modification. 

On the SAME DAY, XX/XX/2021, they scheduled the house for a foreclosure sale date so it appears that there was NEVER going to be a review of the modification application. 

Called and spoke to XXXX on XX/XX/2021 and she could not answer the question as to why we were told to submit modification application and house was scheduled for sale on the same day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: AL
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 trying to get this matter resolved in a cordial manner and have done what was asked of my by submitting dispute letters and a power of attorney and still there has been an unsatisfactory solution to my dispute. Recently a balance was changed on a XXXX account that I do not currently have and have never had. This fraudulently action is unacceptable and should be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX THEIR IS NO WAY POSSIBLE I WAS LATE THE DAYS YOU WERE REPORTING - THIS CAR WAS TRADED IN AT THE DEALERSHIP. THIS IS NOT OUR FAULT YOU HAD NOT BEEN PAID BY THE DEALERSHIP FOR THIS CAR. PLEASE SEE DOCUMENTATION TO SUPPORT MY CLAIM. PLEASE CHECK YOUR RECORDS. I AM GIVING YOU 30  DAYS TO FIX THIS AND IF NOT I WILL HAVE TO PROCEED WITH LEGAL ACTION AGAINST YOUR COMPANY AND THE DEALERSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: IN
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 to the Fair Credit Reporting Act, These accounts have violated my federally protected rights to Privacy and Confidentiality Under 15 USC 1681 : XXXX XXXX XXXX XXXX : Acct No. Unknown? 

XXXX XXXX XXXX : XXXX ..... 

15 U S C 1681 SECTION 602A : BOTH AGENCIES HAVE VIOLATED MY Privacy Rights.

15 U S C 1681 SECTION 604A ; XXXX XXXX XXXX can not furnish an Acct without my written instructions & consent. 

15 U S C 1681 c1 : No Consumer Reporting Agency may make any consumer report containing any of the following items.

15 U S C 1681 2 : A person shall not report any information related to consumer to any consumer reporting agency if the person knows or has reason to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: MA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking and savings account with Huntington National Bank with a nominal amount. they sent me my debit card and allowed me to order and pay for new checks, This week I deposited a {$16000.00} partial Cashiers check, it was part of inheritance, and took {$3200.00} cash back. Within 24 hrs they put a hold on my account while waiting for the check to clear. Since then they disabled my accounts and said they are closing them and I have no access to my funds until next Monday. This has created a serious problem for me as I have no access to my money which they already have. I was given no notice and was just locked out of my account and now I'm left trying to find another bank with no money. I was given no notice, they just arbitrarily said they were closing my accounts and denying me access to my funds. In addition to this I'm now out money I spent to order checks. I cant believe they could just decide to do this and hold onto my money as well. no notice, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 trying to get this matter resolved in a cordial manner and have done what was asked of my by submitting dispute letters and a power of attorney and still there has been an unsatisfactory solution to my dispute. Recently a balance was changed on a XXXX account that I do not currently have and have never had. This fraudulently action is unacceptable and should be rectified 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 explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: GA
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. The List Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These companies have violated my right to privacy. 

15. U.S.C. 1681 section 602 A : states I have a right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person or agency shall not furnish any information relating to a consumer to any consumer reporting agency especially if the person knows or has reason to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: EQUIFAX, INC.
State: MS
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 very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 not received my full credit report with score and would like 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 2023-02-17
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CREDIT COLLECTION SERVICES , INC. sent me a letter regarding an alleged debt from XXXX but they didn't provide any written documentation proving this alleged debt is in fact verified as mine and owed to CREDIT COLLECTION SERVICES , INC . 

They also didn't provide any written documentation proof that they are a registered debt collector in the state of Virginia. I looked the company name up on the Virginia State Corporation Commission and they are not listed as a registered business in the state of Virginia.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: SYNCHRONY FINANCIAL
State: FL
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:
Without a reason or cause, all 13 of my Synchrony accounts were closed. When I reached out to Synchrony all they said was based on information from your XXXX XXXX report. I pulled all 3 of my reports, all show my accounts synchrony and non synchrony in good standing, never late, never missed a payment. They have essentially crippled my credit score in the biggest financial crisis this country has ever seen. I am a XXXX veteran on a fixed income this is going to ruin my life.

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 2019-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Capital One Platinum Credit Card. Last year I was going through financial hardships because I was in between jobs. I could not make a payment on one of me credit cards right away and missed the payment due date. 
I was unaware because of my lack of credit knowledge until know that this was disputable. This is my first credit card and it has since hurt my credit score because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Works & Lentz, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have offered to make payments on my debt, but told the collection company that I wanted somthing sent to me monthly to make the payments. They refuse to send any type of statement saying that their company doesnt do that. I am not sure of the date of the call they specifically said that, but it was near the end of XXXX beginning of XXXX. Since then they have submitted a garnishment to my job to collect the money. I have yet to see any money taken out by my company. The person that called me from Works & Lentz was also rude while telling me that.

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 2019-04-14
Company: International Computer Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX telephone company over charge me I told them I didn't want the internet service anymore and to come at there equipment I had unlimited data and they charge me XXXX dollars for one month they sold the account to a collection agency called XXXX XXXX XXXX I tried to explain and they want the same amount I don't owe them nothing we never had a sign contract so they report it to my credit I never received a letter say that they have sent it to collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Experian Information Solutions Inc.
State: NJ
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:
I had set my accounts with XXXX XXXX XXXX to be on auto pay with my checking account at XXXX XXXX XXXX. Due to fraudulent activity on my checking account the bank would not pay the credit card bill and charge me an nsf fee. At the same time allowing other transactions to go through with an overdraft fee. The bank picked and choose what accounts to pay on, and did not pay my credit cards. XXXX XXXX XXXX repeatedly marked me as having late payments but it was due to bank error and not my fault. I also have had made many payments by debit card to them and they closed the account according to my credit report when the person on the phone told me the accounts were still opened. 

# XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company involved has continued to change amounts owed / made this process extremely confusing as to how to get this COMPLETELY removed OR caught back up / late payments removed. 

Please help with this process, I've yet to get help through the company. If they could fix this on their app so that I could catch this account up I would be grateful.

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 2019-11-01
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2019, I applied to PENFED Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX, for a credit card. 

PENFED Credit Union, since my application dated XX/XX/2019, I have not received either the credit card or the reason for denial as required by The Fair Credit Reporting Act. 

The Act requires creditors to notify you in writing if an application for credit is denied. This notification must be mailed within 30 days of the decision. 

A notification must include the reasons the creditor decided to reject your application -- including insufficient credit history or a high balance on revolving credit accounts. 

They are in violation of the The Fair Credit Reporting Act and subject to a civil lawsuit for their violation as I have not received a notification as required under The Fair Credit Reporting Act.

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 2019-04-14
Company: Early Warning Services, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was selling speaker set on XXXX app. I found a buyer and they sent me check {$1500.00} but then I deposited and buyer told me to download XXXX XXXX and then he told me to send to XXXX XXXX XXXX via XXXX XXXX of {$1100.00}, and later next day he told me it was not enough money for movers, and so I sent another amount of {$300.00} to XXXX XXXX XXXX. Approximately 1 to 3 days later, my bank told me that the check of {$1500.00} was cancelled. He then told me he will send me new check of  {$1500.00}. but I never heard from him since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: MORTGAGE CLEARING CORPORATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please reference my previous complaint previous complaint number is XXXX I am still having the exact same issue as in the first complaint, Mortgage Clearing is not applying my extra mortgage principal payment in time, or properly. 

After my first complaint they complied for awhile, now they are back to the same old thing, not applying our extra principal payment on time. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
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 reviewed my credit report again recently and noticed I have some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea how someone would have access to my credit report. Now because of this incident, I can not acquire new credit. Please conduct re-investigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief