BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have never did business with these companies & there reporting on my credit profile. This is causing great finical harm and want these accounts deleted from my profile immediately. My personal information is inaccurate and has been used with out my permission. XXXX, XXXX, XXXX  is not my name & XXXX XXXX XXXX XXXX XXXX XXXX is not my name. my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX is not my address, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX is not my address XXXX XXXX XXXX  XXXX FL XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX is not my address ( my employment is not XXXX XXXX OR XXXX XXXX XXXX  these companies I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX  my request is the you delete and remove this errors from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have never did business with these companies & there reporting on my credit profile. This is causing great finical harm and want these accounts deleted from my profile immediately. My personal information is inaccurate and has been used with out my permission. XXXX, XXXX, XXXX  is not my name & XXXX XXXX XXXX XXXX XXXX XXXX is not my name. my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX is not my address, XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX is not my address XXXX XXXX XXXXT XXXX FL XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX is not my address ( my employment is not XXXX XXXX OR XXXX XXXX XXXX  these companies I have never done business with XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AND XXXXXXXX XXXX XXXX XXXX XXXX  my request is the you delete and remove this errors from my credit profile 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 non-monetary relief
Consumer complaint received 2020-01-10
Company: Credit Wise Recovery Solution LLC
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:
Today, XX/XX/XXXX, I received a report that a new account was opened in my name with XXXX XXXX XXXX for a credit card that holds a balance of {$99.00}. The account was opened on XX/XX/XXXX by someone other than myself. I called XXXX and they have no record of an account in my name or belonging to my social security number. They instructed me to file this claim to rectify the situation.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX I disputed item for Toyota Motor Credit in the amount of $ XXXX.On XXXX XXXX I sent out debit validation letters, On XXXX XXXX I mailed certified letter information about debt.On XXXX XXXX mailed letters to attorney general with log sheets of actions taken.Under the Fair Credit Reporting Act the specific obligations was not met due to that the item should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: EQUIFAX, INC.
State: GA
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:
In XX/XX/XXXX, I applied for a loan through XXXX, my score showed XXXX and I called Equifax I was told it was the car company 's fault. In XX/XX/XXXX, I applied for a personal loan, and was told again that the issue was with the loan company. In XX/XX/XXXX, I am trying to purchase a home. Last month, in the beginning of XXXX, I called Equifax again to report that the mortgage companies could not pull up my information. I was told it was the mortgage companies ' fault. I explained that I had asked for help from four different mortgage companies. I asked to speak to a supervisor. I was told that the wrong name and address were on my credit report. I was told that I needed to get my SScard and Drivers license and send them over. I had to order a copy of my ss card, so I could not send the information just then. I called XX/XX/XXXX, after I was able to get the card. I was going to send the information over, but I was told that I just needed to change my middle initial. I received a letter a couple of days ago stating the issue was resolved. I asked the mortgage company to pull the information, it did n't work. I called for help from Equifax. I was told I needed to fax the information ( ss card and drivers license ) to XXXX. Today, I called to confirm that the information was received and I was told that I need to fax the information to XXXX. I have been hold for a bout nearly an hour now, waiting on a supervisor or someone that can help me. I just want to buy a home. Can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It is 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 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I reported that my credit card was lost but I was 95 % sure I knew where it was. The person I was talking to kept telling me I needed to file a lost stolen card report. I was reluctant because I didnt want to then find it and not have a card. I only wanted to freeze it. The man was extremely pushy and so I finally gave in. I asked for the new card be expedited. He told me there would be a {$16.00} fee for shipping I agreed to pay. I then found it an hour later. When XXXX called back they told me I could not cancel the report. I asked why not as a new card had not been issued. They told me that was not their policy. Because I asked inquired about cancelling the new card they went ahead and cancelled the expedited card but didnt tell me and then still charged me {$16.00}. I found out about them cancelling the expedited card when I never received an email. They told me they had mailed it. I then found out about the charge the following day. They told me by disputing the charge that in the future I will not have access to an expedited card. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was traveling for work last week and had unknowing overdrafted my account with Fifth Third Bank. I was n't informed about this and instead was charged {$37.00} per charge on my card, most of which were necessary work expenses, as I do not carry a credit card. At the end of the week they had charged me around {$700.00} in overdraft fees and completely took my most recent pay check, preventing me from paying medical bills, student loans and a credit card bill. I asked if they would be willing to negotiate and informed them of the devestating effects this will have but they declined. I feel wronged as I was not informed that 1 ) I had overdrafted, 2 ) They were charging me a fee per charge and 3 ) That my overdraft protection was, for reasons they were not able to explain, not working.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Bankruptcy

Complaint:
Fifth 3RD Bank is reporting an derogatory or adverse credit item to all of the credit reporting agencies ( XXXX, XXXX, and XXXX ). This credit item was listed and discharged in my Chapter XXXX Bankruptcy filing dated-XX/XX/2013. See attached filing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, XXXX filed Judgement with Superior Court of California, XXXX XXXX on XX/XX/2012 ; case : XXXX Platfiff : CACH , LLC XXXX against XXXX XXXX and XXXX XXXX XXXX. Before filing the judgement, the firm failed to follow prescribed procedures to deliver notices requiring debt. After I accidentally discovered the filing was placed with XXXX XXXX office, I was shocked! On numerous occasions, I attempted to contact the firm by phone and in writing to provide me the original documents to verify the debt. XXXX XXXX XXXX XXXX XXXX representatives either ignored me or kept on saying that the debt verification and confirmation would be sent over my current address, but I have not received anything what I asked ever since! I am convinced this is a Freud and would like to flag this firm for acting unprofessionally. I am really hopeful that CFPB will be able to help me resolve this situation and enforce XXXX XXXX to provide me with documents I have been requesting for many years. Attaching the very recent letter I sent to the firm which was yet again ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: OH
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 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The Fair Credit Reporting Act encourages lenders to evaluate my credit score when extending for a credit to me because student loans are need-based loans. It has nothing to do with credit and should not be on my credit report. These details must be removed off my credit report right away.

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 2021-11-26
Company: EQUIFAX, INC.
State: CA
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:
OnXX/XX/XXXX i sent in disputes against many inacuracies i have spotted. Under 15 USC 605b there was also fraud accounts. I am seeking litigation against these companies and i want to see the original contract these " collectors '' are claiming 15 usc 1681a. The bureaus have taken longer than 30 days and is affecting and violating my rights and freedom as i am looking to purchase property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I canceled my credit card with Fifth Third Bank. Then due to a scandal with XXXX they re-issued a card to me without my knowledge and started charging me late fees, over the limit fees and other fees. Now they are threatening to send me to collections and repossess my car until I pay the fees. There is no record of this card and the credit card number does not match my cancelled card. I think it 's a scam, when I have paid the minimum fees there 's no record of the payment, I do n't understand where my money is going? This company is a fraud and I 'm tempted to sue them for the inconvenience and troubles it 's caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
XXXX  XXXX, XXXX, I was scammed by a perpetrator false identifying as a loan agent under he XXXX XXXX. The perpetrator was clever enough to use XXXX XXXX XXXX, Logo, And legal agreements to gain access to my Chase Checking Account ending in XXXX and make claims in reversals of payments that were already made. The amounts that Chase did not honor due to me being scammed are in the amounts of - {$1000.00} + - {$620.00} + - {$220.00} + - {$550.00} + - {$550.00} + - {$550.00} + - {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX of 2020 theXX/XX/XXXXXXXX XXXX account XXXX received a deposit of {$18.00} that had cleared without any known problems. XX/XX/2020 another transfer was made fromXX/XX/XXXXXXXX XXXX account XXXX of {$28.00} but did not deposit. Instead On the same day as that transferXX/XX/XXXXXXXX XXXX account XXXX completed a unauthorized transaction on XX/XX/2020 BARCLAYS BANK DE , COLLECTION - {$28.00}. That transaction was not authorized or initiated by myself.

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 2020-01-26
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:
Equifax is reporting the same fraudulent account to my credit report again. 

XXXX XXXX - XXXX They removed it last year after I filed a CFPB and a police report, but here they are again for the 3rd year in a row posting this same fraudulent account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
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: Account information incorrect

Complaint:
Ive sent several letters since XX/XX/XXXX asking for things to be verified and if they were, I requested proof but never got it. I can clearly see serious errors still reporting to my credit report like wrong personal information and account information. 

Dates letters were sent : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I called synchrony bank about 2 months ago due to I had gotten an alert that something had changed on my credit report. When I logged into it I had seen an account was added that was from syncb/ppc open XX/XX/XXXX of XXXX with a credit limit of {$680.00} and the account is current and still open. I asked to to close this and remove it from my credit report as this was fraud and they stated at that time they would. I then got a letter in the mail on XX/XX/XXXX from synchrony stating they were denying my claim that it was fraud. I called them back on the XXXX of XXXX to have this reported as fraud again and the lady on the phone said she would have the case reopend and make sure the account was closed. the account is still not closed at this time as of XX/XX/XXXX and still on my credit report I would like this taken care of please

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 2017-01-27
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is related to another complaint I filed today but I have discovered the name of the collection agency that posted inaccurate and unverified information to my credit report. The information was filed by " Diversified Adjustment Services, Inc '' on behalf of XXXX. This collection agency did not, as I requested, send me any proof that they were the holders of a debt that I owed. They showed no proof of assignment from XXXX to their agency and could not even verify the account information. I disputed the debt but instead of erasing it from my report they included false information such as " 30 days late '' which does not even exist for a collection item. The account was subsequently sold to XXXX, who I called and they deny having filed any info with the credit bureaus. The actions of Diversified/XXXX and/or XXXX have caused my XXXX credit score to plummet over XXXX points.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We initially started a refinance with our current Lender, Freedom Mortgage. After receiving the rates, we decided to go with another Lender. We are at the final stages of completing the new loan transaction and paying off the Freedom Mortgage Loan, and require a " payoff statement '' from Freedom Mortgage. Unfortunately, this process is being held up because Freedom Mortgage refused to give it to our new Lender sighting " we were working with them still ''. Since that is n't true, we wrote a letter indicating we were no longer working with Freedom and instead, we are working with XXXX XXXX. 

Even after providing this letter ( which Freedom Mortgage required ), our new Lender has not been able to obtain a payoff. I ( XXXX XXXX ), then contacted Freedom Mortgage personally, in another attempt to obtain the payoff. I was told by the frontline representative that it will take two ( 2 ) weeks to mail it, which is unacceptable. They 've had ample time to order the figures if need me, so that it can be ready for us to have in-hand. After asking to esclate my request, I was then connected with a manager who stated that they might be able to have it ready and fax it to XXXX, but there were no guarentees. As you can understand, every day this take longer, I 'm being charged additional interest at a higher rate, than if my loan was with XXXX, so it 's important to me to get the payoff statement quickly, so that we can move forward. I 'd like to understand what Freedom 's timeline is for providing a payoff? Waiting two weeks or to be told " I might be able to get to you '', seems like a bad busines practice. I checked Freedom 's website, and all though it 's covered with informaiton on how to refinance with them, there 's not even an option for me to electronically order one ( an option most servicers provide ). By not processing these statements quicker, it seems like a stall tactic so that you can continue to charge me interest at a higher rate, and to try and pursuade me to do business with you only. My request is that you ( 1 ) Provide a payoff statement ASAP directly to XXXX via fax @ XXXX attention XXXX XXXX and to ( 2 ) please help me understand how your only option for provding a payoff statement is through snail mail, which can take up two ( 2 ) weeks to order.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: SUNTRUST BANKS, INC.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX I was informed that my bank account was closed and a reason was not given. All the money in my account is from XXXX to pay for my mothers funeral services as of XX/XX/2020 i have XXXX in the account when i called suntrust they said if there is a balance they would send me a check. There will be a balance since i didnt get checks or a debit card yet. I think its XXXX that they can close my account for no reason at all or maybe its cuz i had 2 deposits from a charity to help pay for a funeral.

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